| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.1% | +4.4% | +12.7 pts |
| Deposit growth (YoY) | +32.5% | +4.0% | +28.5 pts |
| Loan growth (YoY) | +20.8% | +5.6% | +15.3 pts |
| ROA | 2.19% | 1.24% | +1.0 pts |
| ROE | 16.8% | 11.9% | +5.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.7M | $195.9M | $198.2M | $32.3M | $2.7M | 2.19% | 4.99% | 0.49% |
| Q1 2026 | $247.1M | $203.2M | $201.0M | $30.8M | $1.3M | 2.13% | 4.65% | 0.76% |
| Q4 2025 | $237.7M | $201.2M | $190.9M | $31.4M | $4.5M | 2.10% | 4.61% | 0.81% |
| Q3 2025 | $204.7M | $145.1M | $164.4M | $30.2M | $3.4M | 2.19% | 4.60% | 0.98% |
| Q2 2025 | $205.6M | $147.9M | $164.0M | $28.8M | $2.2M | 2.12% | 4.57% | 0.43% |
| Q1 2025 | $215.3M | $148.7M | $172.2M | $27.3M | $1.0M | 1.95% | 4.41% | 0.37% |
| Q4 2024 | $202.9M | $137.7M | $161.0M | $27.9M | $4.2M | 2.14% | 4.66% | 0.39% |
| Q3 2024 | $197.1M | $145.8M | $150.5M | $27.6M | $3.3M | 2.31% | 4.79% | 0.37% |
Loan mix (Q2 2026): real estate $49.7M · commercial $19.4M · consumer $1.8M · securities $23.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 62.9% | 10th |
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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