| Metric | Traditional Bank, Inc. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +5.5% | -3.0 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.2 pts |
| Loan growth (YoY) | +6.8% | +5.9% | +0.9 pts |
| ROA | 1.18% | 1.26% | -0.1 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.44B | $2.14B | $1.66B | $215.4M | $14.4M | 1.18% | 3.40% | 0.24% |
| Q1 2026 | $2.41B | $2.14B | $1.62B | $209.9M | $6.9M | 1.14% | 3.27% | 0.20% |
| Q4 2025 | $2.46B | $2.20B | $1.60B | $206.4M | $19.1M | 0.80% | 2.96% | 0.21% |
| Q3 2025 | $2.39B | $2.13B | $1.58B | $200.9M | $14.3M | 0.80% | 2.88% | 0.20% |
| Q2 2025 | $2.38B | $2.14B | $1.55B | $185.4M | $9.6M | 0.81% | 2.80% | 0.19% |
| Q1 2025 | $2.36B | $2.11B | $1.51B | $183.4M | $4.2M | 0.71% | 2.69% | 0.24% |
| Q4 2024 | $2.37B | $2.13B | $1.50B | $175.9M | $11.3M | 0.48% | 2.40% | 0.17% |
| Q3 2024 | $2.34B | $1.96B | $1.51B | $185.3M | $6.9M | 0.40% | 2.31% | 0.19% |
Loan mix (Q2 2026): real estate $1.56B · commercial $82.4M · consumer $7.2M · securities $623.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Traditional Bank, Inc. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.26% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 59.0% | 33th |
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 | Traditional Bank, Inc. | 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 | Traditional Bank, Inc. | 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 | Traditional Bank, Inc. | 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 | Traditional Bank, Inc. | 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.