| Metric | Quoin Financial Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.4 pts |
| Loan growth (YoY) | +0.1% | +5.6% | -5.5 pts |
| ROA | 1.17% | 1.24% | -0.1 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.7M | $216.5M | $155.8M | $29.6M | $1.4M | 1.17% | 4.89% | 0.13% |
| Q1 2026 | $244.8M | $210.1M | $147.5M | $29.7M | $624K | 1.03% | 4.83% | 0.14% |
| Q4 2025 | $241.5M | $205.9M | $150.8M | $30.4M | $3.1M | 1.28% | 5.14% | 0.06% |
| Q3 2025 | $245.7M | $209.9M | $155.5M | $31.2M | $2.2M | 1.22% | 5.14% | 0.06% |
| Q2 2025 | $243.3M | $203.6M | $155.6M | $32.3M | $1.2M | 1.01% | 5.11% | 0.06% |
| Q1 2025 | $247.3M | $206.8M | $149.0M | $32.7M | $524K | 0.86% | 4.96% | 0.00% |
| Q4 2024 | $237.8M | $197.3M | $152.8M | $32.9M | $3.4M | 1.52% | 5.94% | 0.00% |
| Q3 2024 | $229.1M | $188.3M | $149.5M | $33.6M | $2.6M | 1.55% | 6.12% | 0.00% |
Loan mix (Q2 2026): real estate $129.2M · commercial $13.9M · consumer $5.1M · securities $53.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Quoin Financial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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 | Quoin Financial 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 | Quoin Financial 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 | Quoin Financial 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 | Quoin Financial Bank | 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.