| Metric | The Bank of Romney | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.3 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 8.5% | 11.9% | -3.3 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $368.8M | $283.5M | $266.9M | $60.2M | $2.5M | 1.37% | 4.63% | 1.26% |
| Q1 2026 | $370.5M | $283.0M | $264.6M | $59.1M | $1.1M | 1.21% | 4.41% | 1.37% |
| Q4 2025 | $365.0M | $277.2M | $260.8M | $58.1M | $4.6M | 1.29% | 4.62% | 1.74% |
| Q3 2025 | $363.2M | $276.7M | $256.5M | $57.0M | $3.4M | 1.27% | 4.64% | 1.52% |
| Q2 2025 | $350.1M | $261.1M | $253.6M | $55.5M | $2.5M | 1.39% | 4.85% | 1.59% |
| Q1 2025 | $356.5M | $268.3M | $255.3M | $54.0M | $1.2M | 1.33% | 4.51% | 2.15% |
| Q4 2024 | $351.2M | $261.9M | $261.0M | $52.4M | $4.6M | 1.28% | 4.27% | 2.81% |
| Q3 2024 | $356.8M | $270.3M | $261.7M | $51.1M | $3.7M | 1.36% | 4.22% | 2.39% |
Loan mix (Q2 2026): real estate $240.4M · commercial $10.3M · consumer $16.4M · securities $62.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank of Romney | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 62.9% | 32th |
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 Romney | 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 Romney | 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 Romney | 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 Romney | 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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