| Metric | The Millyard Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.4% | +4.4% | +15.1 pts |
| Deposit growth (YoY) | +20.6% | +4.0% | +16.6 pts |
| Loan growth (YoY) | +25.8% | +5.6% | +20.2 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 6.7% | 11.9% | -5.2 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $333.2M | $276.2M | $261.1M | $30.6M | $1.0M | 0.64% | 3.12% | 0.67% |
| Q1 2026 | $312.4M | $260.7M | $251.1M | $30.0M | $475K | 0.63% | 3.16% | 0.29% |
| Q4 2025 | $290.4M | $244.2M | $236.8M | $29.6M | $1.0M | 0.38% | 2.89% | 0.00% |
| Q3 2025 | $305.4M | $254.9M | $222.5M | $29.0M | $547K | 0.27% | 2.77% | 0.00% |
| Q2 2025 | $279.0M | $229.1M | $207.6M | $28.6M | $216K | 0.17% | 2.74% | 0.00% |
| Q1 2025 | $253.7M | $203.9M | $191.5M | $27.4M | $121K | 0.20% | 2.80% | 0.00% |
| Q4 2024 | $237.4M | $196.9M | $179.1M | $27.2M | $262K | 0.11% | 2.53% | 0.00% |
| Q3 2024 | $228.0M | $192.5M | $167.4M | $27.0M | $82K | 0.05% | 2.45% | 0.00% |
Loan mix (Q2 2026): real estate $221.3M · commercial $41.0M · consumer $0 · securities $33.3M
| Ratio | The Millyard Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.7% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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 Millyard 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 Millyard 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 Millyard 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 Millyard 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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