| Metric | RSNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +0.1% | +4.0% | -3.8 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $381.0M | $348.7M | $149.1M | $22.9M | $2.2M | 1.15% | 3.25% | 0.93% |
| Q1 2026 | $389.5M | $364.2M | $145.3M | $23.5M | $830K | 0.85% | 3.22% | 0.00% |
| Q4 2025 | $390.3M | $366.2M | $142.7M | $22.5M | $3.9M | 1.05% | 3.15% | 0.00% |
| Q3 2025 | $363.8M | $340.2M | $144.0M | $21.2M | $2.4M | 0.89% | 3.08% | 0.09% |
| Q2 2025 | $369.3M | $348.3M | $144.8M | $15.0M | $1.2M | 0.68% | 2.99% | 0.11% |
| Q1 2025 | $365.0M | $342.2M | $137.8M | $16.0M | $597K | 0.66% | 2.83% | 0.04% |
| Q4 2024 | $362.9M | $342.3M | $135.4M | $13.5M | $3.7M | 0.98% | 2.72% | 0.06% |
| Q3 2024 | $375.0M | $338.2M | $134.4M | $19.9M | $2.8M | 0.96% | 2.67% | 0.10% |
Loan mix (Q2 2026): real estate $118.5M · commercial $26.8M · consumer $3.2M · securities $200.8M
| Ratio | RSNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 62.9% | 62th |
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 | RSNB 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 | RSNB 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 | RSNB 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 | RSNB 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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