| Metric | Silex Banking Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.0% | +1.7 pts |
| Deposit growth (YoY) | +4.3% | +2.5% | +1.8 pts |
| Loan growth (YoY) | +3.0% | +2.6% | +0.4 pts |
| ROA | 1.05% | 0.99% | +0.1 pts |
| ROE | 7.5% | 8.1% | -0.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.2M | $84.4M | $61.5M | $13.6M | $503K | 1.05% | 3.65% | 0.57% |
| Q1 2026 | $97.1M | $83.4M | $62.4M | $13.5M | $232K | 0.98% | 3.58% | 0.00% |
| Q4 2025 | $92.4M | $78.9M | $61.7M | $13.3M | $871K | 0.93% | 3.53% | 0.00% |
| Q3 2025 | $93.3M | $79.9M | $60.1M | $13.2M | $566K | 0.81% | 3.36% | 0.00% |
| Q2 2025 | $93.7M | $81.0M | $59.6M | $12.7M | $175K | 0.37% | 3.23% | 0.00% |
| Q1 2025 | $94.3M | $81.6M | $55.6M | $12.6M | $35K | 0.15% | 3.12% | 0.00% |
| Q4 2024 | $93.4M | $80.9M | $53.7M | $12.4M | $794K | 0.86% | 3.22% | 0.00% |
| Q3 2024 | $94.0M | $81.0M | $51.6M | $12.9M | $654K | 0.95% | 3.26% | 0.00% |
Loan mix (Q2 2026): real estate $56.4M · commercial $1.3M · consumer $614K · securities $22.5M
| Ratio | Silex Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.99% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 8.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.9% | 70.8% | 41th |
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 | Silex Banking Company | 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 | Silex Banking Company | 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 | Silex Banking Company | 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 | Silex Banking Company | 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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