| Metric | Stryv Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.1% | +4.4% | +24.8 pts |
| Deposit growth (YoY) | +30.2% | +4.0% | +26.2 pts |
| Loan growth (YoY) | +28.3% | +5.6% | +22.7 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 12.5% | 11.9% | +0.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $333.3M | $297.0M | $285.6M | $28.7M | $1.7M | 1.09% | 4.19% | 0.00% |
| Q1 2026 | $309.4M | $273.8M | $268.8M | $28.2M | $809K | 1.08% | 4.23% | 0.00% |
| Q4 2025 | $290.7M | $259.1M | $244.2M | $24.5M | $2.7M | 1.01% | 4.36% | 0.00% |
| Q3 2025 | $277.7M | $246.8M | $234.3M | $23.7M | $1.9M | 1.00% | 4.32% | 0.00% |
| Q2 2025 | $258.1M | $228.1M | $222.6M | $22.8M | $1.3M | 1.02% | 4.33% | 0.00% |
| Q1 2025 | $249.0M | $219.3M | $207.0M | $22.8M | $541K | 0.89% | 4.24% | 0.00% |
| Q4 2024 | $238.0M | $213.1M | $202.5M | $22.8M | $2.4M | 1.04% | 4.05% | 0.00% |
| Q3 2024 | $239.5M | $214.6M | $197.6M | $22.6M | $1.7M | 0.97% | 3.94% | 0.00% |
Loan mix (Q2 2026): real estate $229.6M · commercial $17.8M · consumer $20.3M · securities $15.7M
| Ratio | Stryv Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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 | Stryv 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 | Stryv 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 | Stryv 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 | Stryv Bank | 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.