| Metric | Sound Banking Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -12.1% | +3.0% | -15.1 pts |
| Deposit growth (YoY) | -13.7% | +2.5% | -16.2 pts |
| Loan growth (YoY) | -1.9% | +2.6% | -4.5 pts |
| ROA | 2.52% | 0.99% | +1.5 pts |
| ROE | 20.0% | 8.1% | +11.9 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $45.2M | $39.6M | $38.2M | $5.4M | $560K | 2.52% | 6.96% | 0.00% |
| Q1 2026 | $42.4M | $36.4M | $35.5M | $5.8M | $257K | 2.34% | 6.82% | 0.04% |
| Q4 2025 | $45.6M | $39.9M | $39.1M | $5.6M | $936K | 1.88% | 6.30% | 0.03% |
| Q3 2025 | $51.8M | $45.9M | $39.3M | $5.7M | $943K | 2.48% | 6.13% | 0.03% |
| Q2 2025 | $51.4M | $45.9M | $39.0M | $5.4M | $626K | 2.49% | 6.21% | 0.03% |
| Q1 2025 | $52.0M | $46.2M | $37.6M | $5.7M | $238K | 1.91% | 5.61% | 0.03% |
| Q4 2024 | $47.6M | $42.1M | $36.7M | $5.4M | $830K | 1.77% | 6.13% | 0.04% |
| Q3 2024 | $50.4M | $44.5M | $37.8M | $5.7M | $770K | 2.20% | 6.06% | 0.00% |
Loan mix (Q2 2026): real estate $36.7M · commercial $2.0M · consumer $26K · securities $0
| Ratio | Sound Banking Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.52% | 0.99% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 8.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 70.8% | 29th |
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 | Sound 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 | Sound 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 | Sound 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 | Sound 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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