| Metric | Outdoor Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +5.0% | +4.3% | +0.7 pts |
| Loan growth (YoY) | -5.7% | +5.3% | -11.1 pts |
| ROA | -0.26% | 1.28% | -1.5 pts |
| ROE | -2.6% | 12.4% | -15.1 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $648.8M | $572.1M | $463.2M | $63.1M | $-831K | -0.26% | 3.88% | 2.98% |
| Q1 2026 | $634.0M | $557.0M | $461.5M | $63.5M | $705K | 0.44% | 3.84% | 2.43% |
| Q4 2025 | $661.3M | $585.4M | $476.8M | $62.8M | $499K | 0.08% | 4.11% | 2.25% |
| Q3 2025 | $585.6M | $510.4M | $470.0M | $61.4M | $-884K | -0.19% | 4.18% | 1.82% |
| Q2 2025 | $619.4M | $545.0M | $491.2M | $60.7M | $-1.6M | -0.50% | 4.05% | 1.67% |
| Q1 2025 | $690.6M | $616.8M | $477.6M | $59.8M | $-2.5M | -1.52% | 4.00% | 1.54% |
| Q4 2024 | $613.5M | $541.6M | $477.5M | $58.2M | $1.7M | 0.29% | 4.54% | 1.26% |
| Q3 2024 | $570.0M | $495.5M | $452.3M | $59.8M | $3.3M | 0.76% | 4.55% | 0.68% |
Loan mix (Q2 2026): real estate $381.3M · commercial $63.5M · consumer $601K · securities $2.5M
| Ratio | Outdoor Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.26% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -2.6% | 12.4% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.7% | 61.2% | 90th |
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 | Outdoor 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 | Outdoor 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 | Outdoor 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 | Outdoor 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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