| Metric | New Market Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.2 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.0M | $177.5M | $116.5M | $17.1M | $1.1M | 1.13% | 4.41% | 0.00% |
| Q1 2026 | $193.7M | $176.0M | $112.9M | $16.5M | $509K | 1.06% | 4.34% | 0.00% |
| Q4 2025 | $190.8M | $173.3M | $112.7M | $16.3M | $1.6M | 0.87% | 4.11% | 0.00% |
| Q3 2025 | $184.3M | $166.6M | $113.1M | $15.6M | $1.1M | 0.81% | 4.09% | 0.00% |
| Q2 2025 | $189.0M | $171.9M | $110.2M | $16.0M | $906K | 0.97% | 4.02% | 0.00% |
| Q1 2025 | $189.8M | $173.7M | $111.0M | $15.1M | $386K | 0.83% | 3.91% | 0.00% |
| Q4 2024 | $180.9M | $165.5M | $110.6M | $14.3M | $1.4M | 0.75% | 3.72% | 0.00% |
| Q3 2024 | $179.2M | $163.2M | $110.6M | $14.9M | $1.0M | 0.74% | 3.63% | 0.00% |
Loan mix (Q2 2026): real estate $100.8M · commercial $13.3M · consumer $3.8M · securities $46.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | New Market Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.41% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 62.9% | 63th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | New Market Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | New Market Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | New Market Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | New Market Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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