| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -4.9 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $332.8M | $234.2M | $229.8M | $37.7M | $2.7M | 1.63% | 3.80% | 1.88% |
| Q1 2026 | $341.1M | $240.7M | $221.4M | $36.5M | $1.1M | 1.31% | 3.65% | 0.87% |
| Q4 2025 | $325.1M | $227.1M | $225.7M | $36.7M | $4.5M | 1.43% | 3.77% | 0.90% |
| Q3 2025 | $322.6M | $232.0M | $227.3M | $35.3M | $3.4M | 1.44% | 3.76% | 1.36% |
| Q2 2025 | $323.9M | $236.5M | $223.8M | $33.7M | $2.3M | 1.48% | 3.69% | 1.94% |
| Q1 2025 | $315.1M | $231.4M | $204.2M | $34.1M | $927K | 1.21% | 3.58% | 1.59% |
| Q4 2024 | $299.8M | $218.5M | $199.6M | $33.0M | $3.8M | 1.25% | 3.56% | 0.42% |
| Q3 2024 | $301.2M | $212.8M | $204.3M | $33.4M | $2.8M | 1.24% | 3.55% | 0.60% |
Loan mix (Q2 2026): real estate $131.3M · commercial $17.8M · consumer $3.5M · securities $68.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Havana National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 62.9% | 15th |
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 Havana National 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 Havana National 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 Havana National 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 Havana National 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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