| Metric | BankCherokee | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.4 pts |
| ROA | 0.15% | 1.24% | -1.1 pts |
| ROE | 1.6% | 11.9% | -10.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $401.9M | $333.5M | $288.8M | $42.8M | $298K | 0.15% | 4.07% | 0.12% |
| Q1 2026 | $420.4M | $350.7M | $276.6M | $33.7M | $511K | 0.49% | 3.72% | 0.23% |
| Q4 2025 | $408.2M | $337.8M | $281.1M | $33.4M | $2.7M | 0.68% | 3.83% | 0.26% |
| Q3 2025 | $402.2M | $339.8M | $268.7M | $32.1M | $1.8M | 0.62% | 3.80% | 0.33% |
| Q2 2025 | $394.9M | $333.6M | $262.6M | $30.9M | $1.0M | 0.53% | 3.76% | 0.23% |
| Q1 2025 | $398.3M | $338.4M | $254.1M | $29.5M | $302K | 0.31% | 3.63% | 0.24% |
| Q4 2024 | $386.9M | $336.9M | $254.5M | $28.1M | $2.2M | 0.59% | 3.60% | 0.28% |
| Q3 2024 | $381.9M | $335.5M | $243.8M | $29.0M | $1.5M | 0.51% | 3.51% | 0.24% |
Loan mix (Q2 2026): real estate $220.7M · commercial $61.4M · consumer $716K · securities $74.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | BankCherokee | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 1.24% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 1.6% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 62.9% | 76th |
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 | BankCherokee | 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 | BankCherokee | 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 | BankCherokee | 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 | BankCherokee | 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.