| Metric | NobleBank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 21.2% | 11.9% | +9.3 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $444.0M | $396.6M | $271.1M | $37.7M | $3.8M | 1.74% | 4.40% | 0.16% |
| Q1 2026 | $439.8M | $399.5M | $261.1M | $35.7M | $1.9M | 1.73% | 4.27% | 0.04% |
| Q4 2025 | $438.7M | $398.4M | $259.3M | $35.2M | $6.4M | 1.49% | 4.34% | 0.07% |
| Q3 2025 | $444.9M | $406.9M | $264.1M | $32.9M | $4.5M | 1.40% | 4.30% | 0.37% |
| Q2 2025 | $434.3M | $399.7M | $264.9M | $29.5M | $2.9M | 1.36% | 4.29% | 0.06% |
| Q1 2025 | $424.8M | $392.4M | $254.8M | $28.8M | $1.2M | 1.16% | 4.20% | 0.06% |
| Q4 2024 | $415.5M | $385.0M | $249.0M | $26.6M | $5.0M | 1.23% | 4.08% | 0.09% |
| Q3 2024 | $415.3M | $381.2M | $240.6M | $29.7M | $3.5M | 1.15% | 4.08% | 0.22% |
Loan mix (Q2 2026): real estate $225.7M · commercial $36.1M · consumer $8.6M · securities $116.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | NobleBank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 21.2% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.6% | 62.9% | 28th |
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 | NobleBank & 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 | NobleBank & 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 | NobleBank & 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 | NobleBank & 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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