| Metric | Newfield National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.9% | -2.9 pts |
| Deposit growth (YoY) | -1.5% | +4.3% | -5.8 pts |
| Loan growth (YoY) | +2.5% | +5.3% | -2.9 pts |
| ROA | 0.73% | 1.28% | -0.6 pts |
| ROE | 9.6% | 12.4% | -2.8 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $889.1M | $784.6M | $457.8M | $68.8M | $3.2M | 0.73% | 3.25% | 0.01% |
| Q1 2026 | $887.4M | $818.3M | $454.7M | $66.4M | $1.9M | 0.86% | 3.21% | 0.01% |
| Q4 2025 | $891.4M | $806.7M | $453.1M | $66.8M | $7.2M | 0.81% | 3.25% | 0.01% |
| Q3 2025 | $900.1M | $835.8M | $453.8M | $61.9M | $5.0M | 0.76% | 3.19% | 0.01% |
| Q2 2025 | $871.4M | $796.5M | $446.7M | $56.4M | $3.3M | 0.74% | 3.15% | 0.04% |
| Q1 2025 | $875.9M | $812.7M | $436.9M | $56.2M | $1.6M | 0.70% | 3.08% | 0.04% |
| Q4 2024 | $893.7M | $836.2M | $437.2M | $55.0M | $7.8M | 0.89% | 3.23% | 0.04% |
| Q3 2024 | $892.9M | $830.1M | $441.1M | $59.8M | $5.6M | 0.85% | 3.20% | 0.05% |
Loan mix (Q2 2026): real estate $436.2M · commercial $22.3M · consumer $634K · securities $331.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Newfield National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 61.2% | 82th |
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 | Newfield National 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 | Newfield National 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 | Newfield National 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 | Newfield National 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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