| Metric | Titan Bank, N.A. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +40.1% | +4.9% | +35.2 pts |
| Deposit growth (YoY) | +35.8% | +4.3% | +31.4 pts |
| Loan growth (YoY) | +24.0% | +5.3% | +18.7 pts |
| ROA | 10.97% | 1.28% | +9.7 pts |
| ROE | 97.5% | 12.4% | +85.1 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $896.1M | $771.5M | $414.6M | $113.3M | $47.6M | 10.97% | 5.49% | 0.25% |
| Q1 2026 | $890.7M | $783.7M | $430.7M | $100.7M | $26.8M | 12.54% | 4.65% | 0.21% |
| Q4 2025 | $819.9M | $640.7M | $443.5M | $79.0M | $152.1M | 21.80% | 4.86% | 0.25% |
| Q3 2025 | $843.5M | $658.6M | $389.8M | $179.7M | $126.7M | 25.32% | 4.96% | 0.14% |
| Q2 2025 | $639.5M | $568.2M | $334.3M | $65.8M | $11.1M | 3.67% | 5.12% | 0.28% |
| Q1 2025 | $704.6M | $640.3M | $303.8M | $61.9M | $4.8M | 3.25% | 4.99% | 0.12% |
| Q4 2024 | $480.6M | $419.0M | $309.9M | $60.0M | $22.1M | 3.94% | 5.14% | 0.30% |
| Q3 2024 | $671.7M | $615.1M | $293.1M | $55.3M | $16.0M | 3.69% | 4.88% | 0.07% |
Loan mix (Q2 2026): real estate $410.6M · commercial $4.0M · consumer $0 · securities $115.9M
| Ratio | Titan Bank, N.A. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 10.97% | 1.28% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 97.5% | 12.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 11.8% | 61.2% | 0th |
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 | Titan Bank, N.A. | 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 | Titan Bank, N.A. | 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 | Titan Bank, N.A. | 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 | Titan Bank, N.A. | 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.