| Metric | Bank Forward | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +5.5% | +4.0 pts |
| Deposit growth (YoY) | +13.5% | +5.1% | +8.4 pts |
| Loan growth (YoY) | +6.4% | +5.9% | +0.5 pts |
| ROA | 1.72% | 1.26% | +0.5 pts |
| ROE | 16.2% | 12.2% | +4.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.13B | $935.4M | $894.6M | $118.9M | $9.9M | 1.72% | 3.63% | 0.71% |
| Q1 2026 | $1.18B | $977.1M | $856.3M | $126.1M | $5.1M | 1.77% | 3.50% | 0.62% |
| Q4 2025 | $1.14B | $925.6M | $863.5M | $121.8M | $18.5M | 1.74% | 3.66% | 0.70% |
| Q3 2025 | $1.05B | $840.6M | $851.5M | $117.5M | $14.6M | 1.86% | 3.68% | 0.73% |
| Q2 2025 | $1.03B | $824.3M | $840.6M | $113.4M | $9.4M | 1.81% | 3.61% | 0.50% |
| Q1 2025 | $1.05B | $873.3M | $834.2M | $114.9M | $5.0M | 1.93% | 3.42% | 0.51% |
| Q4 2024 | $1.04B | $861.6M | $851.9M | $109.4M | $14.3M | 1.41% | 3.34% | 0.37% |
| Q3 2024 | $1.03B | $843.6M | $852.8M | $107.8M | $11.1M | 1.46% | 3.29% | 0.36% |
Loan mix (Q2 2026): real estate $645.1M · commercial $31.9M · consumer $19.2M · securities $52.7M
| Ratio | Bank Forward | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.26% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 12.2% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 59.0% | 71th |
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 | Bank Forward | 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 | Bank Forward | 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 | Bank Forward | 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 | Bank Forward | 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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