| Metric | US Metro Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.0% | +5.5% | +7.5 pts |
| Deposit growth (YoY) | +12.2% | +5.1% | +7.2 pts |
| Loan growth (YoY) | +11.5% | +5.9% | +5.5 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 10.1% | 12.2% | -2.1 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.64B | $1.44B | $1.35B | $161.4M | $8.0M | 1.01% | 3.42% | 1.50% |
| Q1 2026 | $1.56B | $1.36B | $1.29B | $158.8M | $3.9M | 1.01% | 3.31% | 1.56% |
| Q4 2025 | $1.55B | $1.35B | $1.26B | $156.3M | $12.3M | 0.83% | 3.21% | 1.52% |
| Q3 2025 | $1.57B | $1.38B | $1.25B | $138.7M | $9.2M | 0.84% | 3.19% | 1.43% |
| Q2 2025 | $1.45B | $1.28B | $1.21B | $135.4M | $5.8M | 0.82% | 3.13% | 1.07% |
| Q1 2025 | $1.42B | $1.24B | $1.18B | $127.5M | $2.9M | 0.82% | 3.00% | 0.89% |
| Q4 2024 | $1.40B | $1.23B | $1.16B | $124.5M | $8.4M | 0.63% | 2.85% | 0.64% |
| Q3 2024 | $1.39B | $1.22B | $1.12B | $124.8M | $6.3M | 0.64% | 2.79% | 0.34% |
Loan mix (Q2 2026): real estate $1.22B · commercial $95.9M · consumer $0 · securities $56.2M
| Ratio | US Metro Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 12.2% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 59.0% | 54th |
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 | US Metro 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 | US Metro 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 | US Metro 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 | US Metro 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.