| Metric | North Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $165.9M | $144.7M | $84.7M | $19.7M | $1.1M | 1.33% | 3.65% | 0.13% |
| Q1 2026 | $163.6M | $142.6M | $87.1M | $19.4M | $405K | 1.00% | 3.62% | 0.20% |
| Q4 2025 | $159.3M | $137.3M | $85.9M | $19.8M | $2.3M | 1.42% | 3.57% | 0.06% |
| Q3 2025 | $164.3M | $143.3M | $84.6M | $18.9M | $1.7M | 1.40% | 3.49% | 0.02% |
| Q2 2025 | $164.9M | $145.7M | $83.6M | $17.2M | $1.0M | 1.32% | 3.44% | 0.08% |
| Q1 2025 | $153.9M | $134.8M | $84.0M | $17.2M | $449K | 1.19% | 3.30% | 0.04% |
| Q4 2024 | $149.0M | $129.4M | $83.9M | $17.0M | $1.8M | 1.17% | 3.25% | 0.04% |
| Q3 2024 | $158.6M | $138.2M | $83.8M | $18.0M | $1.3M | 1.14% | 3.20% | 0.08% |
Loan mix (Q2 2026): real estate $62.7M · commercial $6.0M · consumer $3.7M · securities $48.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | North Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 60th |
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 | North Central 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 | North Central 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 | North Central 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 | North Central 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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