| Metric | Scribner Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +3.0% | -1.9 pts |
| Deposit growth (YoY) | -0.8% | +2.5% | -3.3 pts |
| Loan growth (YoY) | +4.8% | +2.6% | +2.2 pts |
| ROA | 2.73% | 0.99% | +1.7 pts |
| ROE | 17.3% | 8.1% | +9.3 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.9M | $72.1M | $56.8M | $14.4M | $1.2M | 2.73% | 5.17% | 0.03% |
| Q1 2026 | $86.0M | $71.7M | $54.5M | $13.8M | $598K | 2.69% | 5.45% | 0.03% |
| Q4 2025 | $91.7M | $77.9M | $54.3M | $13.5M | $2.0M | 2.33% | 4.88% | 1.12% |
| Q3 2025 | $85.0M | $71.2M | $51.8M | $13.2M | $1.7M | 2.68% | 4.95% | 1.35% |
| Q2 2025 | $86.0M | $72.7M | $54.2M | $12.8M | $1.0M | 2.47% | 4.95% | 1.25% |
| Q1 2025 | $79.3M | $66.6M | $51.9M | $12.2M | $461K | 2.33% | 4.84% | 1.40% |
| Q4 2024 | $79.1M | $66.8M | $52.6M | $12.0M | $1.9M | 2.34% | 4.89% | 0.63% |
| Q3 2024 | $77.8M | $65.4M | $44.6M | $11.9M | $1.7M | 2.74% | 4.88% | 0.15% |
Loan mix (Q2 2026): real estate $17.9M · commercial $7.2M · consumer $1.7M · securities $12.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Scribner Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.73% | 0.99% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 70.8% | 22th |
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 | Scribner 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 | Scribner 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 | Scribner 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 | Scribner 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.