| Metric | The Trust Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +3.0% | +1.7 pts |
| Deposit growth (YoY) | +4.5% | +2.5% | +2.0 pts |
| Loan growth (YoY) | +14.8% | +2.6% | +12.2 pts |
| ROA | 1.94% | 0.99% | +0.9 pts |
| ROE | 12.2% | 8.1% | +4.1 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.0M | $39.3M | $25.9M | $7.4M | $439K | 1.94% | 7.01% | 0.76% |
| Q1 2026 | $45.1M | $37.4M | $23.1M | $7.2M | $154K | 1.38% | 6.70% | 1.09% |
| Q4 2025 | $44.0M | $36.5M | $21.9M | $7.0M | $867K | 1.95% | 7.30% | 1.01% |
| Q3 2025 | $45.2M | $37.8M | $23.7M | $7.2M | $681K | 2.04% | 7.38% | 0.65% |
| Q2 2025 | $44.9M | $37.6M | $22.5M | $7.0M | $513K | 2.32% | 7.41% | 0.67% |
| Q1 2025 | $45.0M | $38.1M | $21.5M | $6.7M | $168K | 1.53% | 7.28% | 0.60% |
| Q4 2024 | $42.6M | $35.4M | $20.6M | $6.5M | $1.2M | 2.68% | 7.57% | 0.74% |
| Q3 2024 | $42.1M | $35.1M | $18.2M | $6.9M | $918K | 2.80% | 7.42% | 0.67% |
Loan mix (Q2 2026): real estate $21.6M · commercial $1.5M · consumer $3.0M · securities $1.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Trust Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 8.1% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 7.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.9% | 70.8% | 52th |
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 Trust 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 Trust 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 Trust 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 Trust 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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