| Metric | Shamrock Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +2.7% | +4.3% | -1.6 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.7 pts |
| ROA | 1.76% | 1.28% | +0.5 pts |
| ROE | 20.5% | 12.4% | +8.1 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $501.5M | $452.9M | $322.7M | $45.4M | $4.4M | 1.76% | 4.11% | 0.19% |
| Q1 2026 | $503.7M | $458.1M | $322.1M | $42.9M | $2.0M | 1.60% | 4.04% | 0.19% |
| Q4 2025 | $486.1M | $442.0M | $323.6M | $39.4M | $6.3M | 1.33% | 3.81% | 0.19% |
| Q3 2025 | $491.5M | $447.6M | $307.9M | $40.5M | $4.5M | 1.26% | 3.73% | 0.03% |
| Q2 2025 | $481.1M | $441.0M | $298.8M | $37.4M | $2.9M | 1.26% | 3.68% | 0.02% |
| Q1 2025 | $472.5M | $435.5M | $291.3M | $34.0M | $1.3M | 1.12% | 3.61% | 0.02% |
| Q4 2024 | $448.3M | $400.4M | $281.2M | $30.3M | $5.3M | 1.18% | 3.52% | 0.06% |
| Q3 2024 | $447.7M | $392.7M | $264.2M | $36.9M | $4.0M | 1.19% | 3.49% | 0.04% |
Loan mix (Q2 2026): real estate $272.6M · commercial $15.1M · consumer $16.7M · securities $134.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Shamrock Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 20.5% | 12.4% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 61.2% | 49th |
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 | Shamrock Bank, N.A. | 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 | Shamrock Bank, N.A. | 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 | Shamrock Bank, N.A. | 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 | Shamrock Bank, N.A. | 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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