| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.0% | +5.5% | +23.5 pts |
| Deposit growth (YoY) | +17.0% | +5.1% | +12.0 pts |
| Loan growth (YoY) | +3.7% | +5.9% | -2.2 pts |
| ROA | 1.01% | 1.26% | -0.3 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.32B | $1.06B | $875.7M | $150.8M | $6.5M | 1.01% | 3.13% | 1.23% |
| Q1 2026 | $1.31B | $1.06B | $854.9M | $146.4M | $3.3M | 1.05% | 3.08% | 1.24% |
| Q4 2025 | $1.25B | $1.00B | $854.2M | $147.1M | $9.9M | 0.94% | 3.19% | 1.32% |
| Q3 2025 | $1.05B | $922.4M | $853.2M | $121.4M | $7.1M | 0.93% | 3.28% | 1.57% |
| Q2 2025 | $1.03B | $904.9M | $844.4M | $118.3M | $4.5M | 0.91% | 3.21% | 1.61% |
| Q1 2025 | $987.9M | $868.6M | $807.3M | $116.4M | $2.1M | 0.85% | 3.08% | 1.72% |
| Q4 2024 | $976.9M | $842.4M | $791.7M | $113.5M | $7.1M | 0.75% | 2.89% | 1.75% |
| Q3 2024 | $949.2M | $831.8M | $801.7M | $114.1M | $5.0M | 0.72% | 2.83% | 1.80% |
Loan mix (Q2 2026): real estate $804.3M · commercial $71.0M · consumer $8.4M · securities $296.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.26% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.6% | 59.0% | 52th |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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