| Metric | Thread Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +40.6% | +5.5% | +35.1 pts |
| Deposit growth (YoY) | +40.2% | +5.1% | +35.2 pts |
| Loan growth (YoY) | +20.9% | +5.9% | +15.0 pts |
| ROA | 0.58% | 1.26% | -0.7 pts |
| ROE | 6.3% | 12.2% | -5.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.11B | $1.00B | $416.4M | $95.9M | $3.0M | 0.58% | 2.90% | 0.07% |
| Q1 2026 | $1.04B | $932.7M | $366.8M | $93.5M | $1.5M | 0.61% | 2.98% | 0.01% |
| Q4 2025 | $953.6M | $845.6M | $364.6M | $93.5M | $3.4M | 0.42% | 2.92% | 0.06% |
| Q3 2025 | $823.4M | $740.9M | $329.2M | $67.4M | $3.2M | 0.53% | 2.96% | 0.05% |
| Q2 2025 | $790.1M | $713.2M | $344.4M | $64.4M | $2.0M | 0.51% | 3.01% | 0.08% |
| Q1 2025 | $797.5M | $722.2M | $349.7M | $63.8M | $977K | 0.50% | 2.98% | 0.13% |
| Q4 2024 | $768.4M | $698.6M | $318.5M | $62.1M | $7.1M | 0.99% | 2.67% | 0.20% |
| Q3 2024 | $703.2M | $618.1M | $306.0M | $56.4M | $2.0M | 0.38% | 2.57% | 0.18% |
Loan mix (Q2 2026): real estate $307.3M · commercial $51.8M · consumer $59.3M · securities $439.5M
| Ratio | Thread Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 59.0% | 92th |
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 | Thread 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 | Thread 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 | Thread 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 | Thread 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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