| Metric | Open Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +5.5% | +1.7 pts |
| Deposit growth (YoY) | +5.0% | +5.1% | -0.1 pts |
| Loan growth (YoY) | +9.1% | +5.9% | +3.1 pts |
| ROA | 1.20% | 1.26% | -0.1 pts |
| ROE | 12.6% | 12.2% | +0.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.75B | $2.37B | $2.25B | $264.1M | $16.2M | 1.20% | 3.23% | 1.74% |
| Q1 2026 | $2.70B | $2.33B | $2.22B | $257.7M | $7.7M | 1.16% | 3.29% | 1.82% |
| Q4 2025 | $2.65B | $2.28B | $2.18B | $252.4M | $26.7M | 1.05% | 3.25% | 1.32% |
| Q3 2025 | $2.61B | $2.28B | $2.13B | $219.4M | $19.2M | 1.02% | 3.20% | 1.18% |
| Q2 2025 | $2.56B | $2.26B | $2.07B | $211.5M | $12.3M | 0.99% | 3.15% | 0.94% |
| Q1 2025 | $2.51B | $2.19B | $2.02B | $208.6M | $5.7M | 0.94% | 3.00% | 1.09% |
| Q4 2024 | $2.37B | $2.03B | $1.94B | $203.3M | $21.8M | 0.95% | 3.04% | 1.13% |
| Q3 2024 | $2.39B | $2.07B | $1.92B | $201.7M | $16.6M | 0.98% | 3.04% | 0.73% |
Loan mix (Q2 2026): real estate $2.04B · commercial $139.2M · consumer $346K · securities $206.3M
| Ratio | Open Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.26% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.2% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 59.0% | 40th |
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 | Open 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 | Open 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 | Open 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 | Open 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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