| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +5.5% | +7.0 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +33.4% | +5.9% | +27.5 pts |
| ROA | 1.04% | 1.26% | -0.2 pts |
| ROE | 13.0% | 12.2% | +0.8 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.86B | $1.44B | $1.25B | $147.5M | $9.2M | 1.04% | 3.50% | 0.14% |
| Q1 2026 | $1.78B | $1.39B | $1.20B | $140.1M | $4.5M | 1.03% | 3.43% | 0.06% |
| Q4 2025 | $1.69B | $1.30B | $1.05B | $139.5M | $14.8M | 0.93% | 3.29% | 0.08% |
| Q3 2025 | $1.67B | $1.33B | $970.4M | $132.5M | $10.7M | 0.91% | 3.20% | 0.09% |
| Q2 2025 | $1.66B | $1.37B | $935.2M | $121.7M | $6.4M | 0.83% | 3.12% | 0.09% |
| Q1 2025 | $1.49B | $1.32B | $914.2M | $97.2M | $2.9M | 0.78% | 3.17% | 0.08% |
| Q4 2024 | $1.45B | $1.33B | $882.1M | $88.4M | $8.8M | 0.61% | 2.83% | 0.11% |
| Q3 2024 | $1.46B | $1.32B | $883.3M | $95.8M | $5.8M | 0.54% | 2.72% | 0.21% |
Loan mix (Q2 2026): real estate $1.03B · commercial $233.6M · consumer $4.2M · securities $419.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.26% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 12.2% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 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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