| Metric | Poppy Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.3% | +5.5% | +12.9 pts |
| Deposit growth (YoY) | +16.3% | +5.1% | +11.2 pts |
| Loan growth (YoY) | +11.0% | +5.9% | +5.1 pts |
| ROA | 1.29% | 1.26% | +0.0 pts |
| ROE | 14.3% | 12.2% | +2.2 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 | $8.32B | $6.29B | $5.76B | $736.4M | $50.9M | 1.29% | 3.29% | 1.59% |
| Q1 2026 | $7.80B | $6.02B | $5.49B | $710.6M | $24.7M | 1.29% | 3.13% | 2.13% |
| Q4 2025 | $7.59B | $5.91B | $5.39B | $685.3M | $76.8M | 1.08% | 2.96% | 2.15% |
| Q3 2025 | $7.32B | $5.74B | $5.27B | $661.5M | $55.2M | 1.05% | 2.93% | 2.14% |
| Q2 2025 | $7.03B | $5.41B | $5.19B | $640.7M | $35.2M | 1.02% | 2.86% | 1.60% |
| Q1 2025 | $6.79B | $5.67B | $4.93B | $620.5M | $16.7M | 0.97% | 2.64% | 1.46% |
| Q4 2024 | $6.94B | $5.75B | $4.83B | $599.2M | $49.9M | 0.79% | 2.34% | 1.70% |
| Q3 2024 | $6.52B | $5.20B | $4.58B | $585.7M | $36.8M | 0.80% | 2.29% | 1.83% |
Loan mix (Q2 2026): real estate $5.69B · commercial $147.2M · consumer $0 · securities $902.3M
| Ratio | Poppy Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.26% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 12.2% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.2% | 59.0% | 10th |
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 | Poppy 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 | Poppy 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 | Poppy 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 | Poppy 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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