| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.4% | +8.7 pts |
| Deposit growth (YoY) | +15.8% | +4.0% | +11.8 pts |
| Loan growth (YoY) | -3.6% | +5.6% | -9.1 pts |
| ROA | 0.08% | 1.24% | -1.2 pts |
| ROE | 1.1% | 11.9% | -10.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.0M | $321.4M | $248.1M | $27.4M | $155K | 0.08% | 2.82% | 1.54% |
| Q1 2026 | $381.1M | $317.0M | $253.4M | $27.5M | $390K | 0.43% | 2.97% | 1.82% |
| Q4 2025 | $339.0M | $274.8M | $257.4M | $27.0M | $-53K | -0.02% | 3.35% | 2.38% |
| Q3 2025 | $366.0M | $300.4M | $254.0M | $26.4M | $-414K | -0.16% | 3.40% | 2.36% |
| Q2 2025 | $340.4M | $277.6M | $257.2M | $25.9M | $-751K | -0.45% | 3.03% | 2.73% |
| Q1 2025 | $340.8M | $278.0M | $251.8M | $26.2M | $-439K | -0.53% | 2.75% | 2.85% |
| Q4 2024 | $325.1M | $271.8M | $249.4M | $26.5M | $-1.5M | -0.46% | 2.65% | 2.21% |
| Q3 2024 | $345.4M | $292.2M | $247.6M | $26.1M | $-2.2M | -0.88% | 2.62% | 2.02% |
Loan mix (Q2 2026): real estate $191.7M · commercial $61.6M · consumer $5K · securities $44.1M
| Ratio | New Valley Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 1.24% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.1% | 11.9% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 94.1% | 62.9% | 96th |
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 Valley Bank & Trust | 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 Valley Bank & Trust | 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 Valley Bank & Trust | 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 Valley Bank & Trust | 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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