| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.7% | +4.9% | +15.8 pts |
| Deposit growth (YoY) | +23.4% | +4.3% | +19.1 pts |
| Loan growth (YoY) | +24.4% | +5.3% | +19.1 pts |
| ROA | 1.80% | 1.28% | +0.5 pts |
| ROE | 17.3% | 12.4% | +4.8 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $773.8M | $659.8M | $553.8M | $79.4M | $6.6M | 1.80% | 4.83% | 0.21% |
| Q1 2026 | $722.7M | $611.5M | $541.8M | $76.3M | $3.1M | 1.76% | 4.81% | 0.19% |
| Q4 2025 | $700.0M | $592.5M | $520.6M | $73.2M | $10.4M | 1.64% | 5.09% | 0.15% |
| Q3 2025 | $652.1M | $547.4M | $483.1M | $70.6M | $7.8M | 1.67% | 5.06% | 0.11% |
| Q2 2025 | $641.2M | $534.7M | $445.1M | $67.5M | $5.0M | 1.65% | 5.03% | 0.12% |
| Q1 2025 | $632.2M | $528.0M | $437.9M | $64.7M | $2.3M | 1.53% | 5.11% | 0.06% |
| Q4 2024 | $557.3M | $455.8M | $391.7M | $62.3M | $7.3M | 1.42% | 5.21% | 0.34% |
| Q3 2024 | $549.4M | $450.0M | $387.7M | $60.2M | $5.1M | 1.36% | 5.22% | 0.35% |
Loan mix (Q2 2026): real estate $307.2M · commercial $84.3M · consumer $102.4M · securities $49.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 12.4% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.3% | 61.2% | 2th |
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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