| Metric | The Bank of Milan | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -10.1% | +4.4% | -14.5 pts |
| Deposit growth (YoY) | -12.7% | +4.0% | -16.6 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.3 pts |
| ROA | 1.99% | 1.24% | +0.8 pts |
| ROE | 29.2% | 11.9% | +17.3 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $101.1M | $88.9M | $61.3M | $7.5M | $1.1M | 1.99% | 3.43% | 0.61% |
| Q1 2026 | $104.5M | $91.9M | $57.6M | $7.3M | $763K | 2.82% | 3.37% | 0.00% |
| Q4 2025 | $111.7M | $98.5M | $54.7M | $6.8M | $2.0M | 1.81% | 3.08% | 0.00% |
| Q3 2025 | $116.7M | $104.2M | $57.3M | $6.7M | $958K | 1.14% | 3.07% | 0.00% |
| Q2 2025 | $112.5M | $101.8M | $56.3M | $5.9M | $620K | 1.12% | 3.06% | 0.00% |
| Q1 2025 | $112.1M | $102.7M | $57.0M | $5.5M | $295K | 1.07% | 3.01% | 0.00% |
| Q4 2024 | $108.0M | $98.4M | $56.2M | $4.8M | $997K | 0.98% | 2.95% | 0.00% |
| Q3 2024 | $100.1M | $91.1M | $57.1M | $5.7M | $668K | 0.89% | 2.88% | 0.00% |
Loan mix (Q2 2026): real estate $53.4M · commercial $5.8M · consumer $1.1M · securities $27.0M
| Ratio | The Bank of Milan | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 29.2% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23th |
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 | The Bank of Milan | 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 | The Bank of Milan | 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 | The Bank of Milan | 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 | The Bank of Milan | 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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