| Metric | Vintage Bank Kansas | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 19.3% | 11.9% | +7.5 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.6M | $231.4M | $179.0M | $25.4M | $2.4M | 1.70% | 4.45% | 0.33% |
| Q1 2026 | $273.9M | $223.4M | $179.7M | $24.0M | $1.2M | 1.72% | 4.41% | 0.36% |
| Q4 2025 | $271.4M | $218.0M | $174.7M | $24.0M | $4.1M | 1.54% | 4.29% | 0.26% |
| Q3 2025 | $261.1M | $213.2M | $164.5M | $22.5M | $2.9M | 1.48% | 4.25% | 0.07% |
| Q2 2025 | $266.2M | $216.3M | $166.9M | $20.4M | $1.9M | 1.44% | 4.19% | 0.03% |
| Q1 2025 | $260.7M | $215.1M | $164.2M | $19.4M | $888K | 1.38% | 4.19% | 0.02% |
| Q4 2024 | $255.2M | $209.1M | $159.5M | $18.4M | $2.6M | 1.05% | 3.83% | 0.03% |
| Q3 2024 | $250.2M | $201.0M | $154.4M | $20.2M | $1.7M | 0.92% | 3.76% | 0.12% |
Loan mix (Q2 2026): real estate $121.7M · commercial $24.8M · consumer $3.8M · securities $72.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Vintage Bank Kansas | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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 | Vintage Bank Kansas | 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 | Vintage Bank Kansas | 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 | Vintage Bank Kansas | 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 | Vintage Bank Kansas | 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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