| Metric | Redstone Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +4.4% | +10.7 pts |
| Deposit growth (YoY) | +15.7% | +4.0% | +11.7 pts |
| Loan growth (YoY) | +2.2% | +5.6% | -3.3 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $298.2M | $262.7M | $170.9M | $34.6M | $792K | 0.53% | 3.47% | 0.00% |
| Q1 2026 | $304.7M | $269.5M | $170.7M | $34.1M | $387K | 0.52% | 3.38% | 0.00% |
| Q4 2025 | $296.2M | $261.6M | $169.8M | $33.5M | $1.6M | 0.61% | 4.02% | 0.00% |
| Q3 2025 | $276.2M | $242.5M | $168.7M | $32.4M | $982K | 0.52% | 3.94% | 0.74% |
| Q2 2025 | $259.2M | $227.2M | $167.2M | $31.2M | $621K | 0.51% | 4.01% | 0.79% |
| Q1 2025 | $239.1M | $207.0M | $152.7M | $31.3M | $346K | 0.58% | 4.10% | 0.87% |
| Q4 2024 | $235.9M | $199.4M | $157.8M | $30.9M | $1.3M | 0.51% | 3.62% | 0.91% |
| Q3 2024 | $283.1M | $228.4M | $158.8M | $31.3M | $1.0M | 0.52% | 3.54% | 0.79% |
Loan mix (Q2 2026): real estate $163.8M · commercial $9.7M · consumer $151K · securities $47.5M
| Ratio | Redstone Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 62.9% | 79th |
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 | Redstone 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 | Redstone 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 | Redstone 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 | Redstone 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.