| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +5.9% | +0.9 pts |
| Deposit growth (YoY) | +7.0% | +5.7% | +1.3 pts |
| Loan growth (YoY) | +31.9% | +6.9% | +25.0 pts |
| ROA | 1.36% | 1.23% | +0.1 pts |
| ROE | 19.6% | 11.2% | +8.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $425.12B | $372.56B | $46.46B | $29.44B | $2.89B | 1.36% | 1.47% | 0.00% |
| Q1 2026 | $467.35B | $419.72B | $60.24B | $29.10B | $1.37B | 1.29% | 1.43% | 0.01% |
| Q4 2025 | $381.00B | $332.43B | $40.48B | $29.82B | $4.83B | 1.31% | 1.53% | 0.03% |
| Q3 2025 | $366.50B | $318.14B | $37.40B | $29.26B | $3.48B | 1.27% | 1.50% | 0.04% |
| Q2 2025 | $398.29B | $348.13B | $35.21B | $30.92B | $2.28B | 1.26% | 1.48% | 0.07% |
| Q1 2025 | $356.26B | $310.78B | $35.73B | $29.67B | $1.09B | 1.26% | 1.53% | 0.06% |
| Q4 2024 | $335.95B | $291.38B | $36.81B | $27.96B | $3.49B | 1.01% | 1.38% | 0.05% |
| Q3 2024 | $348.08B | $299.98B | $36.04B | $28.58B | $2.56B | 0.98% | 1.32% | 0.06% |
Loan mix (Q2 2026): real estate $7.09B · commercial $1.85B · consumer $0 · securities $155.52B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.23% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.3% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.47% | 3.55% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 54.9% | 64th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
The Bank of New York Mellon is in an open deal as the acquirer: The Bank of New York Mellon: internal reorganization (approved, filed May 11, 2026). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 22, 2026 | Acquirer | — | Reorganization | Approved | FDIC |
10 branches in 8 counties across 7 states (+1 vs 2025) · $255.94B branch deposits. Biggest market: New York, NY, ranked 3rd with 13.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 3 | $255.94B | 13.33% | 3rd |
| Nassau, NY | 1 | $0 | 0.00% | 56th |
| Harris, TX | 1 | $0 | 0.00% | 177th |
| 5 more counties with Pro → | ||||
New York: 3rd with 8.88% · District of Columbia: 81st with 0.00% · Texas: 914th with 0.00% · New Jersey: 240th with 0.00% · California: 437th with 0.00% · Pennsylvania: 446th with 0.00% · Massachusetts: 246th with 0.00% · New York-Newark-Jersey City metro: 3rd, 8.58% · Washington-Arlington-Alexandria metro: 188th, 0.00% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 9 · 2026 10