| Metric | Rollstone Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.3% | +4.9% | -17.3 pts |
| Deposit growth (YoY) | -4.1% | +4.3% | -8.4 pts |
| Loan growth (YoY) | -12.9% | +5.3% | -18.3 pts |
| ROA | 0.07% | 1.28% | -1.2 pts |
| ROE | 0.9% | 12.4% | -11.6 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $816.3M | $677.3M | $573.4M | $70.2M | $306K | 0.07% | 2.00% | 0.14% |
| Q1 2026 | $836.0M | $683.9M | $584.7M | $69.4M | $138K | 0.07% | 1.99% | 0.06% |
| Q4 2025 | $847.5M | $686.0M | $596.6M | $69.4M | $-5.3M | -0.59% | 1.63% | 0.04% |
| Q3 2025 | $905.0M | $687.8M | $630.0M | $70.1M | $-3.1M | -0.45% | 1.56% | 0.07% |
| Q2 2025 | $931.3M | $706.3M | $658.4M | $69.9M | $-1.1M | -0.24% | 1.54% | 0.08% |
| Q1 2025 | $930.3M | $720.7M | $657.0M | $70.7M | $-523K | -0.23% | 1.52% | 0.07% |
| Q4 2024 | $912.4M | $692.5M | $650.2M | $69.8M | $1.4M | 0.16% | 1.44% | 0.08% |
| Q3 2024 | $916.9M | $694.6M | $654.5M | $73.0M | $1.6M | 0.24% | 1.41% | 0.05% |
Loan mix (Q2 2026): real estate $548.7M · commercial $24.7M · consumer $387K · securities $170.3M
| Ratio | Rollstone Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.07% | 1.28% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.1% | 61.2% | 98th |
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 | Rollstone Bank & Trust | 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 | Rollstone Bank & Trust | 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 | Rollstone Bank & Trust | 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 | Rollstone Bank & Trust | 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.