| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +61.2% | +4.4% | +56.9 pts |
| Deposit growth (YoY) | +68.7% | +4.0% | +64.8 pts |
| Loan growth (YoY) | +39.7% | +5.6% | +34.1 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.9M | $105.9M | $81.2M | $13.8M | $877K | 1.71% | 6.48% | 0.00% |
| Q1 2026 | $95.2M | $80.9M | $65.0M | $13.2M | $305K | 1.31% | 6.10% | 0.00% |
| Q4 2025 | $90.9M | $76.5M | $64.0M | $12.9M | $1.0M | 1.35% | 6.97% | 0.00% |
| Q3 2025 | $89.5M | $76.9M | $58.4M | $12.0M | $560K | 1.05% | 6.96% | 0.00% |
| Q2 2025 | $75.0M | $62.8M | $58.2M | $11.7M | $300K | 0.92% | 7.41% | 0.00% |
| Q1 2025 | $62.7M | $50.6M | $49.3M | $11.5M | $68K | 0.45% | 7.94% | 0.00% |
| Q4 2024 | $58.6M | $46.5M | $45.3M | $11.4M | $12K | 0.02% | 7.12% | 0.00% |
| Q3 2024 | $58.3M | $46.2M | $39.2M | $11.4M | $6K | 0.01% | 7.08% | 0.00% |
Loan mix (Q2 2026): real estate $77.8M · commercial $5.8M · consumer $0 · securities $71K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
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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