| Metric | TruBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 1.09% | 1.24% | -0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $494.6M | $366.1M | $285.4M | $46.4M | $2.7M | 1.09% | 3.69% | 1.07% |
| Q1 2026 | $487.5M | $360.2M | $284.9M | $45.7M | $1.5M | 1.20% | 3.69% | 1.39% |
| Q4 2025 | $483.6M | $354.2M | $288.2M | $45.2M | $5.9M | 1.27% | 3.63% | 1.47% |
| Q3 2025 | $456.8M | $338.8M | $292.7M | $45.4M | $4.5M | 1.32% | 3.61% | 1.04% |
| Q2 2025 | $476.5M | $343.9M | $283.7M | $43.2M | $3.0M | 1.33% | 3.47% | 1.21% |
| Q1 2025 | $455.1M | $345.8M | $275.6M | $40.8M | $1.0M | 0.94% | 3.33% | 0.89% |
| Q4 2024 | $434.3M | $338.1M | $275.1M | $40.1M | $3.2M | 0.74% | 3.17% | 0.43% |
| Q3 2024 | $420.9M | $325.2M | $263.3M | $41.1M | $2.1M | 0.64% | 3.07% | 0.41% |
Loan mix (Q2 2026): real estate $235.2M · commercial $34.9M · consumer $3.1M · securities $125.0M
| Ratio | TruBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 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 | TruBank | 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 | TruBank | 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 | TruBank | 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 | TruBank | 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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