| Metric | SULLIVAN BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.7% | +5.5% | +5.2 pts |
| Deposit growth (YoY) | +10.5% | +5.1% | +5.4 pts |
| Loan growth (YoY) | +11.5% | +5.9% | +5.6 pts |
| ROA | 1.13% | 1.26% | -0.1 pts |
| ROE | 13.0% | 12.2% | +0.9 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.40B | $1.23B | $1.17B | $119.6M | $7.6M | 1.13% | 3.46% | 1.41% |
| Q1 2026 | $1.34B | $1.19B | $1.13B | $117.1M | $4.1M | 1.23% | 3.38% | 1.62% |
| Q4 2025 | $1.30B | $1.16B | $1.11B | $113.5M | $14.2M | 1.13% | 3.33% | 1.77% |
| Q3 2025 | $1.30B | $1.14B | $1.08B | $109.9M | $10.2M | 1.10% | 3.28% | 1.71% |
| Q2 2025 | $1.26B | $1.11B | $1.05B | $107.8M | $6.4M | 1.06% | 3.23% | 1.42% |
| Q1 2025 | $1.22B | $1.08B | $1.02B | $107.0M | $2.9M | 0.96% | 3.16% | 1.53% |
| Q4 2024 | $1.17B | $1.03B | $1.01B | $105.3M | $12.6M | 1.13% | 3.20% | 1.46% |
| Q3 2024 | $1.16B | $1.03B | $980.1M | $98.3M | $9.5M | 1.16% | 3.14% | 1.54% |
Loan mix (Q2 2026): real estate $1.09B · commercial $79.1M · consumer $21.0M · securities $33.7M
| Ratio | SULLIVAN BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.26% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 59.0% | 36th |
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 | SULLIVAN 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 | SULLIVAN 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 | SULLIVAN 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 | SULLIVAN 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.