| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.9% | +6.9 pts |
| Deposit growth (YoY) | +12.2% | +4.3% | +7.8 pts |
| Loan growth (YoY) | +3.0% | +5.3% | -2.3 pts |
| ROA | 1.36% | 1.28% | +0.1 pts |
| ROE | 10.9% | 12.4% | -1.5 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $604.7M | $523.8M | $436.4M | $76.1M | $4.1M | 1.36% | 3.68% | 0.00% |
| Q1 2026 | $601.0M | $522.5M | $425.2M | $74.2M | $2.2M | 1.49% | 3.47% | 0.00% |
| Q4 2025 | $586.6M | $509.4M | $434.2M | $72.8M | $6.1M | 1.10% | 3.53% | 0.07% |
| Q3 2025 | $563.0M | $485.5M | $434.3M | $72.3M | $5.6M | 1.34% | 3.51% | 0.01% |
| Q2 2025 | $541.0M | $467.0M | $423.5M | $70.2M | $3.5M | 1.28% | 3.43% | 0.01% |
| Q1 2025 | $559.1M | $486.2M | $423.1M | $68.8M | $1.9M | 1.33% | 3.28% | 0.10% |
| Q4 2024 | $556.7M | $484.8M | $418.9M | $67.2M | $5.3M | 0.96% | 3.06% | 0.01% |
| Q3 2024 | $568.5M | $494.0M | $418.5M | $66.4M | $4.4M | 1.06% | 2.98% | 0.00% |
Loan mix (Q2 2026): real estate $412.5M · commercial $28.6M · consumer $681K · securities $64.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 12.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 61.2% | 15th |
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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