| Metric | TruNorth Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.5% | +5.5% | -7.0 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.1 pts |
| Loan growth (YoY) | -6.4% | +5.9% | -12.3 pts |
| ROA | 0.52% | 1.26% | -0.7 pts |
| ROE | 5.4% | 12.2% | -6.8 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.02B | $1.76B | $1.58B | $195.3M | $5.3M | 0.52% | 3.29% | 1.33% |
| Q1 2026 | $2.01B | $1.75B | $1.59B | $195.3M | $4.2M | 0.84% | 3.24% | 0.70% |
| Q4 2025 | $2.00B | $1.74B | $1.61B | $192.4M | $1.2M | 0.06% | 2.99% | 0.70% |
| Q3 2025 | $2.02B | $1.74B | $1.64B | $200.4M | $9.1M | 0.60% | 2.93% | 1.77% |
| Q2 2025 | $2.05B | $1.76B | $1.69B | $196.7M | $5.3M | 0.53% | 2.84% | 1.75% |
| Q1 2025 | $2.03B | $1.74B | $1.63B | $194.6M | $2.5M | 0.50% | 2.71% | 1.94% |
| Q4 2024 | $1.99B | $1.68B | $1.66B | $191.8M | $11.0M | 0.56% | 2.57% | 2.14% |
| Q3 2024 | $2.00B | $1.69B | $1.62B | $192.2M | $9.1M | 0.61% | 2.58% | 0.76% |
Loan mix (Q2 2026): real estate $1.39B · commercial $187.6M · consumer $964K · securities $204.8M
| Ratio | TruNorth Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 1.26% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.2% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 59.0% | 78th |
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 | TruNorth 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 | TruNorth 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 | TruNorth 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 | TruNorth 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.