| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +50.1% | +5.5% | +44.6 pts |
| Deposit growth (YoY) | +68.6% | +5.1% | +63.5 pts |
| Loan growth (YoY) | +41.9% | +5.9% | +36.0 pts |
| ROA | 0.09% | 1.26% | -1.2 pts |
| ROE | 0.9% | 12.2% | -11.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.37B | $1.20B | $1.10B | $131.4M | $481K | 0.09% | 3.64% | 0.18% |
| Q1 2026 | $941.6M | $813.8M | $792.3M | $98.1M | $424K | 0.18% | 3.12% | 0.08% |
| Q4 2025 | $928.5M | $766.0M | $794.5M | $78.4M | $5.0M | 0.55% | 3.06% | 0.15% |
| Q3 2025 | $914.2M | $807.6M | $784.7M | $77.1M | $4.1M | 0.60% | 3.04% | 0.10% |
| Q2 2025 | $912.6M | $713.9M | $772.7M | $77.4M | $2.8M | 0.61% | 3.02% | 0.06% |
| Q1 2025 | $898.6M | $741.1M | $763.4M | $75.8M | $1.4M | 0.63% | 3.06% | 0.12% |
| Q4 2024 | $896.3M | $696.5M | $755.4M | $73.8M | $5.1M | 0.60% | 2.96% | 0.13% |
| Q3 2024 | $877.0M | $766.6M | $748.1M | $69.4M | $3.8M | 0.60% | 2.97% | 0.17% |
Loan mix (Q2 2026): real estate $996.5M · commercial $39.7M · consumer $69.5M · securities $115.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.09% | 1.26% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 0.9% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 98.1% | 59.0% | 99th |
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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