| Metric | TS Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +4.4% | -10.9 pts |
| Deposit growth (YoY) | -10.1% | +4.0% | -14.1 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +0.9 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 41.8% | 11.9% | +29.9 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $432.7M | $387.4M | $231.8M | $25.9M | $4.9M | 2.21% | 2.73% | 1.29% |
| Q1 2026 | $459.4M | $407.1M | $239.4M | $24.8M | $4.6M | 4.12% | 2.76% | 0.82% |
| Q4 2025 | $437.2M | $403.5M | $212.9M | $19.4M | $3.3M | 0.74% | 2.66% | 1.19% |
| Q3 2025 | $433.7M | $409.9M | $204.4M | $18.3M | $2.4M | 0.69% | 2.66% | 1.02% |
| Q2 2025 | $462.8M | $431.1M | $217.7M | $16.7M | $1.3M | 0.57% | 2.62% | 0.89% |
| Q1 2025 | $455.6M | $430.3M | $206.7M | $16.1M | $587K | 0.51% | 2.60% | 0.77% |
| Q4 2024 | $465.6M | $433.7M | $210.4M | $16.1M | $1.7M | 0.38% | 2.65% | 0.81% |
| Q3 2024 | $443.5M | $422.5M | $198.9M | $13.8M | $1.8M | 0.53% | 2.65% | 1.33% |
Loan mix (Q2 2026): real estate $130.9M · commercial $46.6M · consumer $8.8M · securities $127.9M
| Ratio | TS Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 41.8% | 11.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 62.9% | 19th |
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 | TS 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 | TS 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 | TS 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 | TS 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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