| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +3.0% | +0.6 pts |
| Deposit growth (YoY) | +8.1% | +2.5% | +5.7 pts |
| Loan growth (YoY) | -5.2% | +2.6% | -7.8 pts |
| ROA | 0.33% | 0.99% | -0.7 pts |
| ROE | 2.1% | 8.1% | -6.0 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.5M | $5.1M | $2.2M | $1.1M | $11K | 0.33% | 2.85% | 0.00% |
| Q1 2026 | $6.9M | $5.5M | $2.3M | $1.1M | $14K | 0.83% | 2.95% | 0.00% |
| Q4 2025 | $6.6M | $5.2M | $2.3M | $1.1M | $-51K | -0.77% | 3.37% | 0.00% |
| Q3 2025 | $7.3M | $5.8M | $2.3M | $1.0M | $-78K | -1.56% | 3.55% | 0.00% |
| Q2 2025 | $6.3M | $4.7M | $2.4M | $1.0M | $-69K | -2.14% | 3.67% | 0.00% |
| Q1 2025 | $6.6M | $4.9M | $2.4M | $1.1M | $-29K | -1.77% | 3.84% | 0.00% |
| Q4 2024 | $6.5M | $5.2M | $2.4M | $1.1M | $-731K | -10.54% | 5.23% | 0.00% |
| Q3 2024 | $6.5M | $4.8M | $2.4M | $459K | $-1.1M | -21.19% | 5.86% | 0.00% |
Loan mix (Q2 2026): real estate $2.2M · commercial $0 · consumer $0 · securities $364K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 0.99% | 22nd | |
Return on equity Annualized net income ÷ equity or net worth | 2.1% | 8.1% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 99.0% | 70.8% | 87th |
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 | Value | 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 | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Value | 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 | Value | 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 | Value | 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.
Transact Bank, National Association is in an open deal as the target: TabaPay, Inc. to form a holding company over Transact Bank, National Association (pending, filed Sep 5, 2026). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Sep 5, 2026 | Target | TabaPay, Inc. | New holding company | Pending | Federal Reserve |
1 branches in 1 county across 1 state (+0 vs 2025) · $5.1M branch deposits. Biggest market: Denver, CO, ranked 58th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Denver, CO | 1 | $5.1M | 0.01% | 58th |
Colorado: 186th with 0.00% · Denver-Aurora-Centennial metro: 104th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 13.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).