| Metric | The Bank of Vernon | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +4.4% | +10.2 pts |
| Deposit growth (YoY) | +15.6% | +4.0% | +11.6 pts |
| Loan growth (YoY) | +18.8% | +5.6% | +13.2 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 7.9% | 11.9% | -4.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $445.4M | $373.6M | $327.9M | $70.1M | $2.7M | 1.27% | 4.79% | 0.50% |
| Q1 2026 | $427.7M | $356.5M | $321.4M | $69.1M | $2.0M | 1.86% | 4.78% | 0.17% |
| Q4 2025 | $414.6M | $345.1M | $316.1M | $67.6M | $5.3M | 1.37% | 4.74% | 0.24% |
| Q3 2025 | $401.3M | $332.8M | $302.5M | $66.8M | $4.4M | 1.54% | 4.66% | 0.31% |
| Q2 2025 | $388.8M | $323.4M | $276.1M | $63.9M | $2.6M | 1.36% | 4.51% | 0.38% |
| Q1 2025 | $378.7M | $314.1M | $253.2M | $62.7M | $1.1M | 1.22% | 4.34% | 0.63% |
| Q4 2024 | $363.6M | $302.0M | $234.9M | $59.6M | $4.5M | 1.31% | 4.09% | 0.63% |
| Q3 2024 | $360.4M | $298.5M | $229.0M | $60.2M | $3.5M | 1.39% | 4.05% | 0.43% |
Loan mix (Q2 2026): real estate $205.5M · commercial $99.5M · consumer $12.0M · securities $53.1M
| Ratio | The Bank of Vernon | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 62.9% | 13th |
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 Vernon | 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 Vernon | 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 Vernon | 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 Vernon | 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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