| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.1% | +3.0% | +12.1 pts |
| Deposit growth (YoY) | +16.4% | +2.5% | +14.0 pts |
| Loan growth (YoY) | +38.6% | +2.6% | +36.0 pts |
| ROA | 1.24% | 0.99% | +0.3 pts |
| ROE | 8.2% | 8.1% | +0.1 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.4M | $29.8M | $17.2M | $5.3M | $214K | 1.24% | 4.22% | 0.14% |
| Q1 2026 | $34.9M | $29.3M | $15.2M | $5.2M | $126K | 1.49% | 4.14% | 0.00% |
| Q4 2025 | $32.8M | $27.4M | $15.4M | $5.1M | $310K | 0.99% | 3.79% | 0.00% |
| Q3 2025 | $31.1M | $25.7M | $14.0M | $5.1M | $263K | 1.13% | 3.69% | 0.00% |
| Q2 2025 | $30.8M | $25.6M | $12.4M | $4.9M | $181K | 1.16% | 3.58% | 0.00% |
| Q1 2025 | $33.3M | $28.1M | $11.6M | $4.7M | $83K | 1.06% | 3.42% | 0.00% |
| Q4 2024 | $29.4M | $24.4M | $11.1M | $4.5M | $214K | 0.73% | 3.40% | 0.00% |
| Q3 2024 | $28.3M | $23.4M | $10.6M | $4.6M | $164K | 0.75% | 3.37% | 0.00% |
Loan mix (Q2 2026): real estate $9.7M · commercial $2.7M · consumer $1.4M · securities $13.5M
| Ratio | The Marion National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 70.8% | 34th |
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 Marion 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 Marion 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 Marion 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 Marion 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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