| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.5% | +5.5% | +7.1 pts |
| Deposit growth (YoY) | +13.4% | +5.1% | +8.3 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.2 pts |
| ROA | 1.38% | 1.26% | +0.1 pts |
| ROE | 13.7% | 12.2% | +1.5 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.18B | $1.01B | $787.9M | $120.5M | $8.0M | 1.38% | 3.89% | 0.68% |
| Q1 2026 | $1.17B | $1.01B | $772.8M | $117.9M | $4.2M | 1.45% | 3.88% | 0.03% |
| Q4 2025 | $1.14B | $983.6M | $754.1M | $113.9M | $11.2M | 1.06% | 3.80% | 0.00% |
| Q3 2025 | $1.09B | $940.2M | $731.5M | $113.4M | $7.3M | 0.94% | 3.75% | 0.11% |
| Q2 2025 | $1.05B | $894.4M | $728.8M | $112.0M | $3.6M | 0.71% | 3.67% | 0.20% |
| Q1 2025 | $1.04B | $887.6M | $669.9M | $110.8M | $3.2M | 1.26% | 3.63% | 0.12% |
| Q4 2024 | $969.8M | $824.6M | $669.9M | $106.3M | $11.9M | 1.15% | 3.23% | 0.13% |
| Q3 2024 | $1.11B | $900.9M | $661.4M | $105.7M | $9.1M | 1.15% | 3.07% | 0.12% |
Loan mix (Q2 2026): real estate $544.0M · commercial $242.9M · consumer $567K · securities $226.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.26% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 12.2% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 59.0% | 25th |
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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