| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.4% | +4.4% | +18.1 pts |
| Deposit growth (YoY) | +28.0% | +4.0% | +24.1 pts |
| Loan growth (YoY) | +26.4% | +5.6% | +20.8 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 9.9% | 11.9% | -2.0 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $106.4M | $84.9M | $82.5M | $12.1M | $589K | 1.14% | 4.93% | 2.74% |
| Q1 2026 | $103.6M | $82.4M | $77.7M | $12.0M | $311K | 1.23% | 5.06% | 1.92% |
| Q4 2025 | $99.4M | $78.5M | $73.9M | $11.7M | $699K | 0.79% | 4.86% | 2.39% |
| Q3 2025 | $93.3M | $72.4M | $67.7M | $11.3M | $332K | 0.52% | 4.68% | 3.35% |
| Q2 2025 | $86.9M | $66.3M | $65.3M | $11.2M | $200K | 0.48% | 4.74% | 4.08% |
| Q1 2025 | $80.9M | $67.2M | $55.7M | $11.1M | $96K | 0.47% | 4.67% | 2.94% |
| Q4 2024 | $81.1M | $67.8M | $54.0M | $11.0M | $704K | 0.91% | 4.94% | 2.92% |
| Q3 2024 | $75.8M | $64.4M | $52.3M | $10.8M | $516K | 0.90% | 4.88% | 3.97% |
Loan mix (Q2 2026): real estate $69.2M · commercial $9.0M · consumer $4.6M · securities $14.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 64th |
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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