| Metric | Tradition Capital Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +5.5% | -0.8 pts |
| Deposit growth (YoY) | +10.1% | +5.1% | +5.0 pts |
| Loan growth (YoY) | +6.2% | +5.9% | +0.2 pts |
| ROA | 0.91% | 1.26% | -0.4 pts |
| ROE | 11.0% | 12.2% | -1.2 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.72B | $2.10B | $2.22B | $228.7M | $12.2M | 0.91% | 2.94% | 0.15% |
| Q1 2026 | $2.68B | $2.09B | $2.15B | $221.3M | $5.4M | 0.81% | 2.88% | 0.27% |
| Q4 2025 | $2.64B | $2.06B | $2.20B | $216.4M | $18.4M | 0.71% | 2.74% | 0.22% |
| Q3 2025 | $2.71B | $2.01B | $2.16B | $209.5M | $12.9M | 0.66% | 2.63% | 0.28% |
| Q2 2025 | $2.60B | $1.91B | $2.10B | $202.4M | $7.8M | 0.61% | 2.57% | 0.18% |
| Q1 2025 | $2.58B | $1.90B | $2.04B | $197.4M | $3.6M | 0.57% | 2.46% | 0.14% |
| Q4 2024 | $2.51B | $1.80B | $2.05B | $192.3M | $10.6M | 0.42% | 2.17% | 0.12% |
| Q3 2024 | $2.66B | $1.81B | $1.99B | $189.8M | $7.2M | 0.37% | 2.07% | 0.00% |
Loan mix (Q2 2026): real estate $1.71B · commercial $425.3M · consumer $22.8M · securities $338.7M
| Ratio | Tradition Capital Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.26% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.2% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.8% | 59.0% | 34th |
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 | Tradition Capital 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 | Tradition Capital 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 | Tradition Capital 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 | Tradition Capital 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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