| Metric | Oak Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $486.3M | $419.6M | $374.8M | $52.7M | $3.0M | 1.28% | 3.68% | 0.03% |
| Q1 2026 | $462.1M | $397.6M | $356.5M | $50.7M | $1.5M | 1.26% | 3.69% | 0.00% |
| Q4 2025 | $471.6M | $406.5M | $363.1M | $50.8M | $5.2M | 1.11% | 3.52% | 0.14% |
| Q3 2025 | $482.0M | $419.0M | $367.7M | $49.1M | $4.2M | 1.17% | 3.45% | 0.32% |
| Q2 2025 | $472.9M | $410.3M | $377.2M | $48.8M | $2.7M | 1.14% | 3.39% | 0.33% |
| Q1 2025 | $464.1M | $403.7M | $370.9M | $46.9M | $1.3M | 1.07% | 3.36% | 0.33% |
| Q4 2024 | $471.6M | $407.8M | $380.3M | $46.3M | $4.7M | 0.98% | 3.03% | 0.33% |
| Q3 2024 | $484.5M | $419.4M | $383.9M | $48.3M | $3.7M | 1.04% | 2.94% | 0.00% |
Loan mix (Q2 2026): real estate $317.0M · commercial $63.0M · consumer $989K · securities $58.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Oak Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.7% | 62.9% | 31th |
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 | Oak 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 | Oak 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 | Oak 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 | Oak 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.