| Metric | SOLUTIONS NORTH BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.5 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 11.5% | 11.9% | -0.3 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 | $469.5M | $395.5M | $290.8M | $57.9M | $3.3M | 1.40% | 4.21% | 0.17% |
| Q1 2026 | $485.4M | $408.4M | $287.6M | $57.7M | $1.6M | 1.35% | 4.15% | 0.22% |
| Q4 2025 | $471.8M | $387.9M | $292.4M | $57.3M | $5.1M | 1.07% | 4.04% | 0.25% |
| Q3 2025 | $468.0M | $390.0M | $279.6M | $57.1M | $3.8M | 1.07% | 4.00% | 0.25% |
| Q2 2025 | $468.5M | $396.4M | $279.5M | $54.4M | $2.4M | 1.02% | 3.94% | 0.04% |
| Q1 2025 | $484.2M | $414.1M | $270.7M | $52.6M | $1.2M | 0.97% | 3.92% | 0.17% |
| Q4 2024 | $477.2M | $409.2M | $279.0M | $50.4M | $2.5M | 0.65% | 4.04% | 0.00% |
| Q3 2024 | $493.3M | $423.2M | $287.1M | $51.5M | $1.4M | 0.53% | 3.99% | 0.00% |
Loan mix (Q2 2026): real estate $233.1M · commercial $28.7M · consumer $8.3M · securities $137.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | SOLUTIONS NORTH BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.4% | 62.9% | 15th |
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 NORTH 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 NORTH 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 NORTH 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 NORTH 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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