| Metric | TBO Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +37.5% | +5.6% | +31.9 pts |
| ROA | 0.74% | 1.24% | -0.5 pts |
| ROE | 7.5% | 11.9% | -4.3 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.8M | $195.8M | $172.6M | $22.7M | $838K | 0.74% | 91.06% | 1.35% |
| Q1 2026 | $246.9M | $218.3M | $157.8M | $22.2M | $342K | 0.60% | 95.71% | 1.45% |
| Q4 2025 | $209.3M | $179.7M | $144.7M | $22.0M | $2.4M | 1.30% | 137.78% | 2.59% |
| Q3 2025 | $209.8M | $180.5M | $144.6M | $21.3M | $1.8M | 1.32% | 135.05% | 1.01% |
| Q2 2025 | $203.7M | $177.5M | $125.6M | $18.4M | $1.0M | 1.19% | 125.99% | 0.00% |
| Q1 2025 | $163.4M | $140.6M | $90.4M | $17.7M | $463K | 1.23% | 125.36% | 0.00% |
| Q4 2024 | $137.4M | $115.2M | $86.9M | $17.0M | $1.2M | 1.00% | 122.11% | 0.00% |
| Q3 2024 | $126.2M | $100.5M | $82.5M | $17.2M | $841K | 0.99% | 117.56% | 0.00% |
Loan mix (Q2 2026): real estate $79.6M · commercial $9.5M · consumer $88.4M · securities $16.7M
| Ratio | TBO Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 1.24% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 11.9% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 91.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 62.9% | 70th |
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 | TBO 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 | TBO 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 | TBO 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 | TBO 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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