| Metric | OptimumBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.8% | +5.5% | +33.3 pts |
| Deposit growth (YoY) | +38.3% | +5.1% | +33.2 pts |
| Loan growth (YoY) | +53.7% | +5.9% | +47.8 pts |
| ROA | 1.95% | 1.26% | +0.7 pts |
| ROE | 19.3% | 12.2% | +7.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.39B | $1.22B | $1.19B | $132.8M | $12.2M | 1.95% | 4.52% | 0.16% |
| Q1 2026 | $1.27B | $1.09B | $1.08B | $125.8M | $5.1M | 1.70% | 4.56% | 0.17% |
| Q4 2025 | $1.11B | $933.3M | $947.3M | $120.8M | $17.9M | 1.75% | 4.29% | 0.31% |
| Q3 2025 | $1.08B | $960.6M | $802.8M | $116.2M | $12.9M | 1.72% | 4.22% | 0.33% |
| Q2 2025 | $998.9M | $880.0M | $774.5M | $110.8M | $8.2M | 1.69% | 4.17% | 0.32% |
| Q1 2025 | $977.2M | $854.1M | $791.2M | $107.1M | $4.2M | 1.77% | 4.07% | 0.77% |
| Q4 2024 | $932.7M | $774.4M | $795.0M | $101.5M | $14.0M | 1.56% | 3.98% | 0.81% |
| Q3 2024 | $944.5M | $807.5M | $768.9M | $92.2M | $10.3M | 1.54% | 3.92% | 0.23% |
Loan mix (Q2 2026): real estate $1.15B · commercial $51.8M · consumer $1.7M · securities $29.9M
| Ratio | OptimumBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.26% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.2% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 59.0% | 16th |
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 | OptimumBank | 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 | OptimumBank | 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 | OptimumBank | 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 | OptimumBank | 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.