| Metric | Thumb Bank and Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.9% | -1.5 pts |
| Deposit growth (YoY) | +1.4% | +4.3% | -3.0 pts |
| Loan growth (YoY) | +15.9% | +5.3% | +10.6 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 17.4% | 12.4% | +4.9 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $673.3M | $595.8M | $414.2M | $64.2M | $5.6M | 1.65% | 4.65% | 0.02% |
| Q1 2026 | $692.0M | $624.0M | $376.1M | $64.3M | $2.8M | 1.63% | 4.54% | 0.02% |
| Q4 2025 | $675.4M | $607.9M | $380.6M | $65.1M | $9.6M | 1.45% | 4.47% | 0.02% |
| Q3 2025 | $663.0M | $595.7M | $360.6M | $63.5M | $7.3M | 1.47% | 4.46% | 0.02% |
| Q2 2025 | $651.2M | $587.8M | $357.2M | $60.3M | $4.7M | 1.43% | 4.38% | 0.02% |
| Q1 2025 | $659.1M | $596.7M | $354.0M | $59.7M | $2.3M | 1.41% | 4.31% | 0.02% |
| Q4 2024 | $667.5M | $609.0M | $342.8M | $56.5M | $7.4M | 1.20% | 3.81% | 0.03% |
| Q3 2024 | $601.4M | $539.4M | $330.9M | $59.4M | $5.0M | 1.09% | 3.74% | 0.03% |
Loan mix (Q2 2026): real estate $313.6M · commercial $32.7M · consumer $13.9M · securities $192.7M
| Ratio | Thumb Bank and Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 12.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 61.2% | 29th |
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 | Thumb Bank and Trust | 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 | Thumb Bank and Trust | 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 | Thumb Bank and Trust | 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 | Thumb Bank and Trust | 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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