| Metric | Traditions First Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +9.8% | +5.6% | +4.2 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 8.9% | 11.9% | -3.0 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $336.6M | $300.1M | $256.0M | $32.2M | $1.4M | 0.84% | 3.81% | 0.01% |
| Q1 2026 | $339.4M | $301.2M | $258.6M | $31.4M | $722K | 0.87% | 3.79% | 0.01% |
| Q4 2025 | $322.6M | $285.1M | $252.2M | $30.8M | $2.7M | 0.83% | 3.69% | 0.00% |
| Q3 2025 | $328.1M | $290.6M | $240.0M | $29.9M | $2.0M | 0.83% | 3.63% | 0.00% |
| Q2 2025 | $313.9M | $277.7M | $233.2M | $29.5M | $1.3M | 0.83% | 3.60% | 0.00% |
| Q1 2025 | $322.8M | $285.0M | $232.0M | $28.4M | $639K | 0.80% | 3.49% | 0.00% |
| Q4 2024 | $315.6M | $279.2M | $237.0M | $27.3M | $2.3M | 0.77% | 3.48% | 0.00% |
| Q3 2024 | $309.1M | $272.5M | $225.1M | $27.5M | $1.6M | 0.70% | 3.43% | 0.00% |
Loan mix (Q2 2026): real estate $245.3M · commercial $8.0M · consumer $3.7M · securities $50.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Traditions First Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 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 First 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 First 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 First 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 First 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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