| Metric | Stitch Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -14.2% | +3.0% | -17.2 pts |
| Deposit growth (YoY) | -8.8% | +2.5% | -11.3 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | -11.62% | 0.99% | -12.6 pts |
| ROE | -33.1% | 8.1% | -41.1 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $11.4M | $7.2M | $0 | $3.9M | $-715K | -11.62% | 0.57% | 0.00% |
| Q1 2026 | $12.4M | $7.7M | $0 | $4.4M | $-272K | -8.54% | 0.47% | 0.00% |
| Q4 2025 | $13.0M | $8.2M | $0 | $4.7M | $-516K | -3.84% | 0.78% | 0.00% |
| Q3 2025 | $13.1M | $8.0M | $0 | $4.8M | $-358K | -3.52% | 0.87% | 0.00% |
| Q2 2025 | $13.3M | $7.9M | $0 | $4.9M | $-271K | -3.95% | 0.76% | 0.00% |
| Q1 2025 | $14.2M | $8.6M | $0 | $5.0M | $-170K | -4.89% | 0.39% | 0.00% |
| Q4 2024 | $13.6M | $8.6M | $0 | $3.8M | $-811K | -6.61% | 2.85% | 0.00% |
| Q3 2024 | $10.8M | $8.5M | $0 | $1.8M | $-699K | -7.81% | 3.27% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $416K
| Ratio | Stitch Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -11.62% | 0.99% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -33.1% | 8.1% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 0.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 2281.1% | 70.8% | 99th |
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 | Stitch Bank, Inc. | 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 | Stitch Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Stitch Bank, Inc. | 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 | Stitch Bank, Inc. | 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 | Stitch Bank, Inc. | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $7.2M branch deposits. Biggest market: Salt Lake, UT, ranked 121st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $7.2M | 0.00% | 121st |
Utah: 147th with 0.00% · Salt Lake City-Murray metro: 121st, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1