| Metric | Time Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.9% | -3.6 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.3 pts |
| Loan growth (YoY) | +12.4% | +5.3% | +7.0 pts |
| ROA | 2.02% | 1.28% | +0.7 pts |
| ROE | 15.2% | 12.4% | +2.7 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 | $712.8M | $608.2M | $511.3M | $96.7M | $7.2M | 2.02% | 4.45% | 1.28% |
| Q1 2026 | $730.5M | $628.6M | $468.7M | $94.9M | $3.3M | 1.87% | 4.35% | 0.84% |
| Q4 2025 | $693.3M | $587.2M | $479.4M | $93.4M | $14.0M | 1.99% | 4.36% | 0.65% |
| Q3 2025 | $709.5M | $603.5M | $475.2M | $91.0M | $10.2M | 1.92% | 4.29% | 0.85% |
| Q2 2025 | $703.8M | $601.8M | $454.9M | $88.8M | $6.8M | 1.93% | 4.24% | 0.64% |
| Q1 2025 | $704.0M | $600.2M | $458.8M | $86.8M | $3.3M | 1.86% | 4.14% | 0.28% |
| Q4 2024 | $710.4M | $603.7M | $442.2M | $84.7M | $10.7M | 2.04% | 4.11% | 0.31% |
| Q3 2024 | $481.6M | $392.5M | $359.0M | $74.3M | $8.5M | 2.37% | 4.43% | 0.28% |
Loan mix (Q2 2026): real estate $360.1M · commercial $15.7M · consumer $692K · securities $84.2M
| Ratio | Time Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.1% | 61.2% | 12th |
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 | Time 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 | Time 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 | Time 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 | Time 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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