| Metric | Northview Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +1.9% | +4.0% | -2.1 pts |
| Loan growth (YoY) | +10.5% | +5.6% | +5.0 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 14.8% | 11.9% | +2.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $469.7M | $392.5M | $376.9M | $51.0M | $3.7M | 1.57% | 5.01% | 0.38% |
| Q1 2026 | $477.8M | $402.1M | $361.7M | $49.5M | $1.7M | 1.43% | 4.86% | 0.46% |
| Q4 2025 | $470.1M | $391.5M | $351.8M | $49.5M | $6.8M | 1.46% | 4.73% | 0.51% |
| Q3 2025 | $470.4M | $389.8M | $347.2M | $48.5M | $5.0M | 1.43% | 4.59% | 0.44% |
| Q2 2025 | $462.8M | $385.4M | $341.0M | $46.1M | $2.3M | 1.00% | 4.39% | 0.52% |
| Q1 2025 | $463.2M | $384.8M | $334.3M | $44.3M | $1.2M | 1.03% | 4.23% | 0.56% |
| Q4 2024 | $465.1M | $386.9M | $335.7M | $43.7M | $3.1M | 0.68% | 4.00% | 0.68% |
| Q3 2024 | $463.8M | $385.0M | $324.0M | $43.2M | $1.9M | 0.56% | 3.86% | 0.47% |
Loan mix (Q2 2026): real estate $338.3M · commercial $30.7M · consumer $10.4M · securities $57.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Northview Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53th |
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 | Northview 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 | Northview 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 | Northview 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 | Northview Bank | 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.