| Metric | BANK | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +32.4% | +4.4% | +28.1 pts |
| Deposit growth (YoY) | +34.7% | +4.0% | +30.7 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $217.4M | $193.0M | $135.1M | $20.5M | $709K | 0.67% | 4.30% | 0.49% |
| Q1 2026 | $209.5M | $184.5M | $134.7M | $20.1M | $298K | 0.57% | 4.05% | 0.60% |
| Q4 2025 | $209.4M | $183.5M | $134.5M | $20.1M | $884K | 0.50% | 3.96% | 0.66% |
| Q3 2025 | $201.5M | $175.1M | $131.0M | $19.9M | $563K | 0.44% | 3.88% | 0.63% |
| Q2 2025 | $164.2M | $143.3M | $124.6M | $16.3M | $421K | 0.53% | 3.69% | 0.70% |
| Q1 2025 | $161.2M | $136.2M | $128.0M | $16.6M | $212K | 0.55% | 3.79% | 0.77% |
| Q4 2024 | $148.2M | $127.3M | $128.6M | $16.4M | $930K | 0.67% | 3.78% | 1.03% |
| Q3 2024 | $140.4M | $115.6M | $126.1M | $16.2M | $698K | 0.68% | 3.79% | 1.06% |
Loan mix (Q2 2026): real estate $69.1M · commercial $51.3M · consumer $12.1M · securities $185K
| Ratio | BANK | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 62.9% | 80th |
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 | 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 | 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 | 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 | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.