| Metric | NewBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.4% | +4.9% | -7.3 pts |
| Deposit growth (YoY) | -2.8% | +4.3% | -7.1 pts |
| Loan growth (YoY) | +13.1% | +5.3% | +7.8 pts |
| ROA | 0.83% | 1.28% | -0.5 pts |
| ROE | 5.8% | 12.4% | -6.7 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $618.0M | $517.7M | $458.6M | $90.4M | $2.6M | 0.83% | 4.26% | 2.00% |
| Q1 2026 | $614.3M | $514.9M | $431.4M | $88.9M | $665K | 0.43% | 4.19% | 2.15% |
| Q4 2025 | $637.1M | $533.4M | $422.4M | $89.8M | $8.4M | 1.32% | 4.34% | 2.10% |
| Q3 2025 | $636.4M | $532.9M | $415.6M | $88.3M | $6.8M | 1.43% | 4.37% | 1.15% |
| Q2 2025 | $633.3M | $532.5M | $405.4M | $85.8M | $4.3M | 1.34% | 4.25% | 1.10% |
| Q1 2025 | $620.9M | $525.5M | $383.4M | $83.2M | $1.8M | 1.11% | 4.15% | 0.97% |
| Q4 2024 | $660.0M | $562.4M | $376.1M | $82.7M | $9.4M | 1.43% | 4.59% | 0.91% |
| Q3 2024 | $668.0M | $570.4M | $386.5M | $80.4M | $7.1M | 1.45% | 4.67% | 1.54% |
Loan mix (Q2 2026): real estate $402.7M · commercial $63.5M · consumer $7K · securities $55.5M
| Ratio | NewBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.28% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 12.4% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 61.2% | 45th |
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 | NewBank | 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 | NewBank | 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 | NewBank | 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 | NewBank | 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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