| Metric | NexBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +5.9% | -6.0 pts |
| Deposit growth (YoY) | +3.3% | +5.7% | -2.4 pts |
| Loan growth (YoY) | -2.2% | +6.9% | -9.1 pts |
| ROA | 1.04% | 1.23% | -0.2 pts |
| ROE | 12.1% | 11.2% | +0.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $14.16B | $11.05B | $9.30B | $1.19B | $72.3M | 1.04% | 2.31% | 1.26% |
| Q1 2026 | $13.44B | $10.32B | $9.22B | $1.18B | $43.6M | 1.27% | 2.25% | 1.13% |
| Q4 2025 | $13.94B | $10.80B | $9.45B | $1.21B | $164.8M | 1.17% | 2.26% | 1.08% |
| Q3 2025 | $14.44B | $11.26B | $9.26B | $1.25B | $141.3M | 1.33% | 2.27% | 1.07% |
| Q2 2025 | $14.18B | $10.70B | $9.51B | $1.29B | $91.5M | 1.31% | 2.24% | 1.04% |
| Q1 2025 | $13.91B | $10.60B | $8.89B | $1.31B | $45.4M | 1.30% | 2.17% | 0.71% |
| Q4 2024 | $13.94B | $10.26B | $9.02B | $1.33B | $126.6M | 0.85% | 1.90% | 1.02% |
| Q3 2024 | $13.81B | $10.39B | $9.02B | $1.32B | $108.3M | 0.95% | 1.81% | 0.88% |
Loan mix (Q2 2026): real estate $7.50B · commercial $45.1M · consumer $32.1M · securities $2.48B
| Ratio | NexBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.23% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.3% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.31% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 54.9% | 35th |
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 | NexBank | 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 | NexBank | 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 | NexBank | 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 | NexBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.