| Metric | The Hamilton Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.5 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.8 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 28.4% | 11.9% | +16.6 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.8M | $112.9M | $51.3M | $6.6M | $906K | 1.54% | 3.66% | 0.20% |
| Q1 2026 | $120.1M | $113.7M | $51.4M | $6.0M | $402K | 1.38% | 3.68% | 0.22% |
| Q4 2025 | $112.3M | $105.5M | $52.3M | $6.5M | $1.7M | 1.51% | 3.82% | 0.88% |
| Q3 2025 | $111.1M | $103.9M | $53.7M | $5.8M | $1.3M | 1.58% | 3.82% | 0.85% |
| Q2 2025 | $110.9M | $106.0M | $53.6M | $4.6M | $908K | 1.65% | 3.79% | 0.62% |
| Q1 2025 | $111.0M | $106.5M | $53.1M | $4.1M | $436K | 1.58% | 3.74% | 0.18% |
| Q4 2024 | $109.2M | $105.4M | $55.0M | $3.5M | $1.4M | 1.35% | 3.49% | 0.32% |
| Q3 2024 | $101.0M | $95.7M | $51.4M | $5.1M | $942K | 1.23% | 3.41% | 0.54% |
Loan mix (Q2 2026): real estate $36.0M · commercial $5.7M · consumer $1.6M · securities $58.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Hamilton Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 28.4% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 36th |
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 Hamilton 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 | The Hamilton 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 | The Hamilton 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 | The Hamilton 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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