| Metric | SmartBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +5.5% | +5.9 pts |
| Deposit growth (YoY) | +10.6% | +5.1% | +5.6 pts |
| Loan growth (YoY) | +13.6% | +5.9% | +7.7 pts |
| ROA | 1.12% | 1.26% | -0.1 pts |
| ROE | 10.3% | 12.2% | -1.8 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.11B | $5.39B | $4.65B | $657.5M | $33.3M | 1.12% | 3.56% | 0.19% |
| Q1 2026 | $5.90B | $5.20B | $4.48B | $644.5M | $15.3M | 1.04% | 3.52% | 0.21% |
| Q4 2025 | $5.85B | $5.16B | $4.33B | $631.6M | $55.4M | 1.00% | 3.36% | 0.16% |
| Q3 2025 | $5.78B | $5.10B | $4.19B | $614.5M | $40.1M | 0.97% | 3.30% | 0.17% |
| Q2 2025 | $5.49B | $4.88B | $4.09B | $552.1M | $24.6M | 0.91% | 3.27% | 0.15% |
| Q1 2025 | $5.41B | $4.81B | $3.96B | $536.7M | $12.1M | 0.90% | 3.21% | 0.15% |
| Q4 2024 | $5.27B | $4.69B | $3.87B | $522.9M | $39.9M | 0.80% | 3.13% | 0.15% |
| Q3 2024 | $4.90B | $4.33B | $3.69B | $523.4M | $29.4M | 0.80% | 3.07% | 0.20% |
Loan mix (Q2 2026): real estate $3.78B · commercial $824.9M · consumer $20.8M · securities $679.9M
| Ratio | SmartBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 12.2% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 59.0% | 44th |
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 | SmartBank | 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 | SmartBank | 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 | SmartBank | 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 | SmartBank | 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.