| Metric | Quaint Oak Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +4.9% | -10.9 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -1.0 pts |
| Loan growth (YoY) | -6.1% | +5.3% | -11.5 pts |
| ROA | 0.44% | 1.28% | -0.8 pts |
| ROE | 4.2% | 12.4% | -8.2 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $631.5M | $556.8M | $561.1M | $68.9M | $1.4M | 0.44% | 3.09% | 1.63% |
| Q1 2026 | $643.6M | $570.0M | $578.3M | $68.0M | $554K | 0.34% | 2.98% | 1.59% |
| Q4 2025 | $676.8M | $603.6M | $601.7M | $67.4M | $2.0M | 0.30% | 2.99% | 1.14% |
| Q3 2025 | $678.0M | $559.8M | $601.6M | $66.9M | $1.5M | 0.29% | 2.92% | 0.93% |
| Q2 2025 | $672.0M | $538.8M | $597.7M | $67.5M | $1.1M | 0.32% | 2.91% | 0.88% |
| Q1 2025 | $651.5M | $513.6M | $577.3M | $66.9M | $430K | 0.26% | 2.87% | 0.91% |
| Q4 2024 | $686.2M | $561.1M | $599.0M | $70.9M | $3.1M | 0.42% | 2.78% | 0.92% |
| Q3 2024 | $701.1M | $588.6M | $618.2M | $70.2M | $2.4M | 0.43% | 2.82% | 0.78% |
Loan mix (Q2 2026): real estate $452.9M · commercial $115.0M · consumer $28K · securities $608K
| Ratio | Quaint Oak Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.28% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 12.4% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.5% | 61.2% | 91th |
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 | Quaint 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 | Quaint 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 | Quaint 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 | Quaint Oak 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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