| Metric | Solutions Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -0.7% | +5.6% | -6.3 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $491.6M | $385.3M | $244.6M | $28.1M | $2.4M | 0.98% | 3.10% | 0.25% |
| Q1 2026 | $485.6M | $379.0M | $238.8M | $27.6M | $1.2M | 1.01% | 3.08% | 0.22% |
| Q4 2025 | $483.9M | $376.4M | $246.8M | $28.5M | $3.9M | 0.80% | 3.03% | 0.22% |
| Q3 2025 | $479.5M | $381.8M | $239.5M | $27.5M | $3.3M | 0.92% | 3.03% | 0.22% |
| Q2 2025 | $468.2M | $375.1M | $246.4M | $21.6M | $1.9M | 0.78% | 2.88% | 0.98% |
| Q1 2025 | $492.6M | $401.3M | $251.3M | $23.2M | $1.1M | 0.87% | 2.78% | 0.93% |
| Q4 2024 | $491.4M | $382.9M | $256.3M | $21.0M | $2.2M | 0.44% | 2.47% | 0.75% |
| Q3 2024 | $532.8M | $401.0M | $254.6M | $28.0M | $1.7M | 0.44% | 2.38% | 0.67% |
Loan mix (Q2 2026): real estate $167.4M · commercial $20.8M · consumer $582K · securities $189.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Solutions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.6% | 62.9% | 63th |
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 | Solutions 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 | Solutions 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 | Solutions 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 | Solutions 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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