| Metric | Vantage Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.6% | +3.0% | +10.6 pts |
| Deposit growth (YoY) | +23.4% | +2.5% | +21.0 pts |
| Loan growth (YoY) | +13.8% | +2.6% | +11.2 pts |
| ROA | 1.84% | 0.99% | +0.8 pts |
| ROE | 20.8% | 8.1% | +12.7 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $85.0M | $75.4M | $78.5M | $7.0M | $741K | 1.84% | 4.49% | 0.33% |
| Q1 2026 | $80.8M | $72.8M | $72.7M | $7.4M | $342K | 1.74% | 4.50% | 0.00% |
| Q4 2025 | $76.3M | $68.3M | $71.7M | $7.0M | $1.2M | 1.65% | 4.61% | 0.00% |
| Q3 2025 | $74.9M | $62.7M | $70.1M | $6.8M | $948K | 1.73% | 4.58% | 0.00% |
| Q2 2025 | $74.8M | $61.1M | $68.9M | $6.4M | $604K | 1.67% | 4.53% | 0.00% |
| Q1 2025 | $71.0M | $58.8M | $66.5M | $6.5M | $278K | 1.57% | 4.56% | 0.00% |
| Q4 2024 | $71.0M | $60.6M | $66.3M | $6.3M | $994K | 1.47% | 4.34% | 0.00% |
| Q3 2024 | $69.9M | $57.6M | $65.1M | $6.1M | $791K | 1.58% | 4.28% | 0.00% |
Loan mix (Q2 2026): real estate $66.0M · commercial $9.3M · consumer $2.6M · securities $47K
| Ratio | Vantage Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 0.99% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 8.1% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.49% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 70.8% | 20th |
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 | Vantage 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 | Vantage 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 | Vantage 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 | Vantage 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.