| Metric | Rosedale Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +5.5% | +1.5 pts |
| Deposit growth (YoY) | +8.0% | +5.1% | +3.0 pts |
| Loan growth (YoY) | +3.7% | +5.9% | -2.2 pts |
| ROA | 0.28% | 1.26% | -1.0 pts |
| ROE | 1.5% | 12.2% | -10.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.36B | $1.10B | $956.8M | $255.5M | $1.9M | 0.28% | 2.62% | 0.37% |
| Q1 2026 | $1.35B | $1.09B | $942.7M | $253.7M | $367K | 0.11% | 2.56% | 0.40% |
| Q4 2025 | $1.32B | $1.06B | $948.8M | $253.7M | $2.4M | 0.18% | 2.45% | 0.38% |
| Q3 2025 | $1.31B | $1.05B | $920.2M | $251.2M | $1.1M | 0.11% | 2.39% | 0.49% |
| Q2 2025 | $1.27B | $1.02B | $922.8M | $248.8M | $288K | 0.05% | 2.33% | 0.45% |
| Q1 2025 | $1.27B | $1.01B | $909.0M | $247.9M | $-171K | -0.05% | 2.23% | 0.47% |
| Q4 2024 | $1.26B | $1.01B | $885.8M | $246.2M | $2.4M | 0.19% | 2.24% | 0.47% |
| Q3 2024 | $1.30B | $1.01B | $889.1M | $249.3M | $1.8M | 0.18% | 2.28% | 0.27% |
Loan mix (Q2 2026): real estate $943.3M · commercial $20.7M · consumer $819K · securities $181.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Rosedale Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 1.5% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.62% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 59.0% | 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 | Rosedale 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 | Rosedale 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 | Rosedale 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 | Rosedale 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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