| Metric | TrustBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.9% | +2.7 pts |
| Deposit growth (YoY) | +10.0% | +4.3% | +5.6 pts |
| Loan growth (YoY) | +7.0% | +5.3% | +1.7 pts |
| ROA | 1.94% | 1.28% | +0.7 pts |
| ROE | 19.7% | 12.4% | +7.3 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $640.2M | $557.6M | $540.8M | $64.3M | $6.2M | 1.94% | 4.17% | 1.41% |
| Q1 2026 | $636.3M | $556.6M | $508.6M | $62.0M | $2.9M | 1.85% | 3.99% | 1.71% |
| Q4 2025 | $628.4M | $542.9M | $504.8M | $61.5M | $9.6M | 1.59% | 4.00% | 1.33% |
| Q3 2025 | $624.0M | $533.6M | $500.0M | $60.6M | $8.1M | 1.79% | 3.96% | 1.35% |
| Q2 2025 | $594.8M | $507.0M | $505.2M | $58.5M | $5.2M | 1.75% | 3.95% | 1.50% |
| Q1 2025 | $598.5M | $518.0M | $489.0M | $56.8M | $2.7M | 1.85% | 3.82% | 0.36% |
| Q4 2024 | $585.8M | $506.7M | $491.0M | $55.3M | $7.6M | 1.33% | 3.68% | 0.43% |
| Q3 2024 | $583.9M | $496.5M | $467.2M | $56.2M | $6.4M | 1.51% | 3.66% | 0.49% |
Loan mix (Q2 2026): real estate $484.5M · commercial $30.2M · consumer $5.3M · securities $55.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | TrustBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 61.2% | 51th |
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 | TrustBank | 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 | TrustBank | 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 | TrustBank | 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 | TrustBank | 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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