| Metric | Valliance Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.5% | +4.9% | +17.6 pts |
| Deposit growth (YoY) | +18.4% | +4.3% | +14.1 pts |
| Loan growth (YoY) | +24.3% | +5.3% | +19.0 pts |
| ROA | 0.63% | 1.28% | -0.7 pts |
| ROE | 6.8% | 12.4% | -5.7 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $923.3M | $733.0M | $771.9M | $79.1M | $2.7M | 0.63% | 4.09% | 1.34% |
| Q1 2026 | $840.7M | $708.5M | $695.2M | $79.3M | $2.1M | 1.04% | 4.37% | 0.22% |
| Q4 2025 | $803.2M | $689.1M | $665.8M | $79.3M | $15.4M | 2.05% | 5.56% | 0.26% |
| Q3 2025 | $761.2M | $625.0M | $612.0M | $77.5M | $13.5M | 2.44% | 6.03% | 0.36% |
| Q2 2025 | $753.7M | $619.0M | $620.9M | $67.9M | $4.8M | 1.32% | 4.31% | 0.29% |
| Q1 2025 | $725.1M | $614.4M | $604.4M | $66.0M | $2.7M | 1.49% | 3.76% | 0.04% |
| Q4 2024 | $713.9M | $601.9M | $579.8M | $63.0M | $5.7M | 0.85% | 3.90% | 0.04% |
| Q3 2024 | $693.2M | $583.2M | $574.3M | $60.2M | $3.5M | 0.72% | 3.90% | 0.04% |
Loan mix (Q2 2026): real estate $541.1M · commercial $210.7M · consumer $1.7M · securities $66.2M
| Ratio | Valliance Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.28% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.2% | 61.2% | 71th |
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 | Valliance 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 | Valliance 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 | Valliance 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 | Valliance 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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