Function 1 · the bank at a glance

How is the bank doing this quarter, and against whom?

Harborline closed 2026Q2 with $1,033.6M in assets and a net interest margin of 5.60%, above 99% of 191 real banks its size in its region, because 28% of its loans are card and consumer installment lending. Every figure below is built from a general ledger that reconciles to the cent, with one planted break located.

Total assets

$1,033.6M

As of 2026-08

Net income, trailing twelve months

$13.4M

Net interest margin

5.60%

Peer median 3.39%

Efficiency ratio

50.9%

Peer median 70.9%

Gross loans

$720.0M

Deposits

$930.6M

Nonperforming loans

0.49%

Peer median 0.52%

Capital ratio (simplified)

19.4%

Equity over simplified risk weighted assets

The functions, one number each

Consumer lending

Expected loss, open installment book

$8,409,265

The fraud desk

Cost at the operating point, test months

$24,927

Fair lending

Adjusted odds ratio, Black applicants, real HMDA

1.76

Financial crime

Planted laundering episodes found

362 of 422

Deposits

Held by the largest 1% of depositors

12.6%

Complaints

CFPB narratives that are form letters

31.2%

Treasury and stress

Severely adverse losses, nine quarters

$59.8M

Collections

Charge offs expected in six months

1,053

Model risk

Models in the inventory, each with a validation report

Controls

Ledger account months tied to the cent

786 of 792

Scorecard studio

Scorecard AUROC, out of time

0.662

Board pack

Recommended installment cutoff

580

The ratios every bank reports, monthly

Net interest margin was 5.60% in 2026Q2, up 5 basis points on the quarter, and nonperforming loans fell 15 basis points to 0.49%. The shaded band is each ratio's trailing twelve month mean plus or minus two standard deviations.

Source: generated, Harborline Bank general ledger, seed 20260831, as of 2026-08-31.

Harborline against real peers

Harborline Bank (fictional) Real FDIC insured peers

Harborline's net interest margin sits above 99% of the 191 real peers: 28% of its loans are card and consumer installment lending at double digit rates, where most community banks lend mortgages and business loans. Its efficiency ratio and returns follow from that margin. The comparison is illustrative: the peers are real FDIC insured banks and Harborline is not.

Source: real:fdic, FDIC insured institutions, $0.5 to $2.5 billion in assets, CT DE MA MD NJ NY PA, 2026Q2, as of 2026-08-31.

What moved, largest first

Deposits rose $14.1M from 2026Q1 to 2026Q2 (+1.6%).
Installment balances rose $8.4M over the last quarter, to $152.1M.
Mortgage balances fell $7.1M over the last quarter, to $518.5M.

Written by a rules engine from the metric layer, ranked by dollar materiality. No language model writes a sentence about a number here.

Reconciliation status

✓ 786 of 792 ledger account months tie to the cent. ⚠ One break: account 2010, $4,217.36, first in 2026-03, planted to prove the control finds it.

Read the board pack or the controls.