| Metric | The National Iron Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 0.82% | 1.24% | -0.4 pts |
| ROE | 10.4% | 11.9% | -1.4 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $318.0M | $291.4M | $261.2M | $26.0M | $1.3M | 0.82% | 3.08% | 0.00% |
| Q1 2026 | $319.5M | $293.6M | $255.9M | $25.4M | $589K | 0.72% | 3.05% | 0.00% |
| Q4 2025 | $335.3M | $289.7M | $259.5M | $25.4M | $1.7M | 0.55% | 2.75% | 0.00% |
| Q3 2025 | $318.1M | $292.8M | $255.0M | $24.8M | $1.5M | 0.64% | 2.67% | 0.00% |
| Q2 2025 | $298.3M | $273.5M | $249.9M | $24.4M | $1.1M | 0.71% | 2.64% | 0.00% |
| Q1 2025 | $301.4M | $276.7M | $244.5M | $24.3M | $329K | 0.44% | 2.62% | 0.02% |
| Q4 2024 | $295.2M | $266.4M | $246.2M | $22.7M | $1.2M | 0.39% | 2.26% | 0.00% |
| Q3 2024 | $296.8M | $266.7M | $246.8M | $22.9M | $724K | 0.32% | 2.20% | 0.00% |
Loan mix (Q2 2026): real estate $258.2M · commercial $3.1M · consumer $1.1M · securities $44.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The National Iron Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 11.9% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.9% | 62.9% | 68th |
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 National Iron 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 National Iron Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The National Iron 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 National Iron 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 National Iron Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2025) · $291.4M branch deposits. Biggest market: Northwest Hills, CT, ranked 6th with 8.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Northwest Hills, CT | 4 | $291.4M | 8.18% | 6th |
Connecticut: 54th with 0.15% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (23 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).