| Metric | Quontic Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.9% | +0.8 pts |
| Deposit growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +7.6% | +5.3% | +2.3 pts |
| ROA | 0.37% | 1.28% | -0.9 pts |
| ROE | 3.5% | 12.4% | -8.9 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $787.0M | $693.9M | $613.2M | $86.4M | $1.5M | 0.37% | 3.42% | 2.84% |
| Q1 2026 | $852.8M | $759.8M | $579.7M | $85.6M | $753K | 0.36% | 3.37% | 2.38% |
| Q4 2025 | $832.0M | $739.6M | $583.9M | $84.9M | $4.2M | 0.56% | 3.75% | 1.92% |
| Q3 2025 | $716.4M | $609.1M | $584.9M | $83.0M | $2.3M | 0.42% | 3.91% | 2.73% |
| Q2 2025 | $744.8M | $653.2M | $569.9M | $82.0M | $1.4M | 0.37% | 3.91% | 1.99% |
| Q1 2025 | $795.8M | $697.8M | $584.3M | $83.6M | $1.1M | 0.57% | 3.35% | 2.28% |
| Q4 2024 | $710.2M | $614.7M | $519.9M | $82.5M | $2.3M | 0.34% | 3.22% | 3.21% |
| Q3 2024 | $657.0M | $564.3M | $485.5M | $80.6M | $315K | 0.07% | 3.21% | 3.25% |
Loan mix (Q2 2026): real estate $616.9M · commercial $12K · consumer $3K · securities $4.9M
| Ratio | Quontic Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.37% | 1.28% | 8th | |
Return on equity Annualized net income ÷ equity or net worth | 3.5% | 12.4% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 89.3% | 61.2% | 95th |
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 | Quontic 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 | Quontic 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 | Quontic 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 | Quontic 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.