| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +1.8% | +2.5% | -0.7 pts |
| Loan growth (YoY) | +6.6% | +2.6% | +4.0 pts |
| ROA | 2.42% | 0.99% | +1.4 pts |
| ROE | 16.7% | 8.1% | +8.6 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.4M | $25.0M | $13.2M | $4.3M | $349K | 2.42% | 3.76% | 0.00% |
| Q1 2026 | $28.6M | $24.4M | $12.5M | $4.1M | $169K | 2.37% | 3.62% | 0.00% |
| Q4 2025 | $28.4M | $24.3M | $12.7M | $4.1M | $475K | 1.65% | 3.60% | 0.00% |
| Q3 2025 | $28.9M | $24.7M | $13.2M | $4.2M | $468K | 2.17% | 3.51% | 0.00% |
| Q2 2025 | $28.6M | $24.6M | $12.3M | $4.0M | $306K | 2.13% | 3.42% | 0.00% |
| Q1 2025 | $30.1M | $26.3M | $13.0M | $3.7M | $154K | 2.14% | 3.35% | 0.00% |
| Q4 2024 | $27.6M | $24.1M | $12.9M | $3.5M | $405K | 1.43% | 3.07% | 0.00% |
| Q3 2024 | $28.5M | $24.9M | $12.8M | $3.7M | $350K | 1.63% | 2.98% | 0.00% |
Loan mix (Q2 2026): real estate $9.6M · commercial $1.6M · consumer $697K · securities $12.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | St. Martin National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.42% | 0.99% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 8.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 70.8% | 11th |
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 | St. Martin National 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 | St. Martin National 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 | St. Martin National 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 | St. Martin National 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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