| Metric | VisionBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.6% | +4.4% | -8.9 pts |
| Deposit growth (YoY) | -5.0% | +4.0% | -8.9 pts |
| Loan growth (YoY) | -3.7% | +5.6% | -9.3 pts |
| ROA | 2.13% | 1.24% | +0.9 pts |
| ROE | 21.5% | 11.9% | +9.6 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.9M | $183.6M | $222.9M | $24.9M | $2.7M | 2.13% | 3.67% | 2.15% |
| Q1 2026 | $252.5M | $185.8M | $222.5M | $25.8M | $1.5M | 2.42% | 3.44% | 2.17% |
| Q4 2025 | $257.2M | $189.7M | $225.5M | $25.1M | $6.0M | 2.26% | 3.97% | 0.76% |
| Q3 2025 | $261.6M | $195.5M | $216.0M | $25.1M | $4.6M | 2.28% | 3.80% | 1.39% |
| Q2 2025 | $266.0M | $193.2M | $231.5M | $25.2M | $3.1M | 2.33% | 3.80% | 2.82% |
| Q1 2025 | $271.0M | $200.9M | $238.2M | $25.3M | $1.7M | 2.54% | 3.82% | 4.03% |
| Q4 2024 | $269.2M | $196.0M | $236.2M | $24.3M | $5.0M | 1.95% | 3.63% | 4.92% |
| Q3 2024 | $263.1M | $195.4M | $227.6M | $23.8M | $4.1M | 2.15% | 3.70% | 2.58% |
Loan mix (Q2 2026): real estate $207.7M · commercial $16.9M · consumer $89K · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | VisionBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.13% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 21.5% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.0% | 62.9% | 4th |
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 | VisionBank | 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 | VisionBank | 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 | VisionBank | 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 | VisionBank | 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.