| Metric | Traditions Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.9% | +1.4 pts |
| Deposit growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +8.5% | +5.3% | +3.2 pts |
| ROA | 1.12% | 1.28% | -0.2 pts |
| ROE | 11.0% | 12.4% | -1.4 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $890.9M | $756.1M | $716.1M | $91.1M | $4.9M | 1.12% | 5.10% | 1.10% |
| Q1 2026 | $875.1M | $760.2M | $684.5M | $88.6M | $2.3M | 1.07% | 5.08% | 1.45% |
| Q4 2025 | $856.2M | $745.4M | $688.8M | $85.8M | $11.1M | 1.33% | 5.25% | 1.29% |
| Q3 2025 | $857.1M | $748.1M | $679.4M | $82.4M | $8.3M | 1.33% | 5.19% | 1.22% |
| Q2 2025 | $838.5M | $732.0M | $660.0M | $80.3M | $5.6M | 1.35% | 5.11% | 0.78% |
| Q1 2025 | $824.7M | $719.6M | $632.9M | $78.8M | $2.8M | 1.38% | 4.99% | 0.54% |
| Q4 2024 | $803.7M | $696.2M | $620.6M | $75.7M | $10.8M | 1.39% | 5.20% | 0.37% |
| Q3 2024 | $812.3M | $706.3M | $618.5M | $74.0M | $8.0M | 1.39% | 5.22% | 0.29% |
Loan mix (Q2 2026): real estate $518.1M · commercial $165.6M · consumer $27.0M · securities $27.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Traditions Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.28% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.10% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 61.2% | 69th |
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 | Traditions 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 | Traditions 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 | Traditions 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 | Traditions Bank | 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.