| Metric | Silver Lake Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.9% | +3.6 pts |
| Deposit growth (YoY) | +7.7% | +4.3% | +3.4 pts |
| Loan growth (YoY) | +11.9% | +5.3% | +6.6 pts |
| ROA | 1.44% | 1.28% | +0.2 pts |
| ROE | 13.7% | 12.4% | +1.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $548.2M | $444.5M | $391.3M | $56.9M | $3.8M | 1.44% | 4.42% | 0.00% |
| Q1 2026 | $534.3M | $431.7M | $365.3M | $55.0M | $1.8M | 1.43% | 4.46% | 0.00% |
| Q4 2025 | $494.1M | $395.2M | $361.9M | $53.2M | $6.9M | 1.43% | 4.43% | 0.00% |
| Q3 2025 | $471.7M | $377.1M | $368.1M | $50.9M | $4.7M | 1.31% | 4.36% | 0.00% |
| Q2 2025 | $505.2M | $412.6M | $349.5M | $49.2M | $3.4M | 1.41% | 4.21% | 0.00% |
| Q1 2025 | $479.6M | $400.3M | $341.4M | $49.9M | $1.6M | 1.41% | 4.26% | 0.00% |
| Q4 2024 | $456.7M | $375.4M | $335.5M | $47.7M | $4.6M | 1.00% | 3.86% | 0.06% |
| Q3 2024 | $465.1M | $371.3M | $339.2M | $47.0M | $3.2M | 0.94% | 3.79% | 0.00% |
Loan mix (Q2 2026): real estate $308.7M · commercial $73.3M · consumer $2.0M · securities $84.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Silver Lake Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 61.2% | 27th |
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 | Silver Lake 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 | Silver Lake 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 | Silver Lake 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 | Silver Lake 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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