| Metric | Tanager Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | -8.3% | +4.0% | -12.2 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 0.29% | 1.24% | -1.0 pts |
| ROE | 2.7% | 11.9% | -9.1 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.3M | $179.0M | $74.8M | $41.2M | $307K | 0.29% | 2.70% | 0.20% |
| Q1 2026 | $216.9M | $201.9M | $68.4M | $13.0M | $21K | 0.04% | 1.37% | 0.21% |
| Q4 2025 | $203.0M | $187.5M | $70.5M | $13.5M | $219K | 0.10% | 1.44% | 0.23% |
| Q3 2025 | $209.4M | $194.6M | $72.9M | $12.7M | $148K | 0.09% | 1.45% | 0.38% |
| Q2 2025 | $208.4M | $195.1M | $75.6M | $11.2M | $11K | 0.01% | 1.40% | 0.29% |
| Q1 2025 | $213.1M | $200.2M | $77.6M | $10.6M | $57K | 0.11% | 1.38% | 0.27% |
| Q4 2024 | $213.5M | $198.3M | $72.6M | $9.1M | $267K | 0.11% | 1.26% | 0.13% |
| Q3 2024 | $225.5M | $207.4M | $73.5M | $11.9M | $210K | 0.11% | 1.24% | 0.12% |
Loan mix (Q2 2026): real estate $66.9M · commercial $7.7M · consumer $878K · securities $76.2M
| Ratio | Tanager Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.5% | 62.9% | 95th |
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 | Tanager 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 | Tanager 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 | Tanager 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 | Tanager 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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