| Metric | TPNB Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 7.1% | 11.9% | -4.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.0M | $94.1M | $65.6M | $15.3M | $532K | 0.92% | 3.56% | 0.00% |
| Q1 2026 | $115.9M | $96.0M | $69.5M | $14.9M | $243K | 0.83% | 3.51% | 0.00% |
| Q4 2025 | $117.7M | $98.8M | $67.4M | $14.8M | $874K | 0.78% | 3.19% | 0.00% |
| Q3 2025 | $109.4M | $90.9M | $64.0M | $14.4M | $677K | 0.82% | 3.17% | 0.00% |
| Q2 2025 | $110.2M | $91.4M | $63.5M | $13.4M | $441K | 0.80% | 3.11% | 0.00% |
| Q1 2025 | $110.1M | $90.2M | $64.3M | $13.0M | $208K | 0.75% | 3.07% | 0.00% |
| Q4 2024 | $111.1M | $93.6M | $61.2M | $12.4M | $542K | 0.50% | 2.69% | 0.00% |
| Q3 2024 | $104.9M | $83.1M | $60.5M | $13.0M | $348K | 0.43% | 2.61% | 0.07% |
Loan mix (Q2 2026): real estate $50.1M · commercial $4.7M · consumer $3.4M · securities $32.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TPNB Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 62.9% | 51th |
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 | TPNB 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 | TPNB 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 | TPNB 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 | TPNB 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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