| Metric | Verimore Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +38.7% | +4.9% | +33.8 pts |
| Deposit growth (YoY) | +38.1% | +4.3% | +33.8 pts |
| Loan growth (YoY) | +31.4% | +5.3% | +26.1 pts |
| ROA | 1.92% | 1.28% | +0.6 pts |
| ROE | 17.6% | 12.4% | +5.2 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 | $639.1M | $549.5M | $514.4M | $71.3M | $6.2M | 1.92% | 4.40% | 0.21% |
| Q1 2026 | $649.7M | $557.2M | $498.9M | $70.1M | $3.0M | 1.87% | 4.28% | 0.22% |
| Q4 2025 | $639.0M | $546.9M | $483.5M | $69.3M | $9.1M | 1.48% | 4.00% | 0.06% |
| Q3 2025 | $623.4M | $532.2M | $477.9M | $68.4M | $6.2M | 1.36% | 3.88% | 0.08% |
| Q2 2025 | $460.7M | $397.8M | $391.4M | $48.2M | $4.1M | 1.78% | 4.09% | 0.05% |
| Q1 2025 | $471.3M | $409.7M | $386.4M | $47.5M | $2.0M | 1.74% | 3.87% | 0.06% |
| Q4 2024 | $466.5M | $405.9M | $383.9M | $46.8M | $6.9M | 1.54% | 3.76% | 0.07% |
| Q3 2024 | $450.1M | $386.2M | $373.2M | $46.1M | $5.1M | 1.51% | 3.72% | 0.05% |
Loan mix (Q2 2026): real estate $436.0M · commercial $48.5M · consumer $3.3M · securities $34.1M
| Ratio | Verimore Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 61.2% | 25th |
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 | Verimore 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 | Verimore 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 | Verimore 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 | Verimore 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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