| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.8% | +5.5% | +7.4 pts |
| Deposit growth (YoY) | +13.0% | +5.1% | +7.9 pts |
| Loan growth (YoY) | +12.1% | +5.9% | +6.2 pts |
| ROA | 1.87% | 1.26% | +0.6 pts |
| ROE | 20.3% | 12.2% | +8.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.27B | $1.09B | $128.3M | $12.7M | 1.87% | 4.64% | 0.56% |
| Q1 2026 | $1.35B | $1.21B | $1.02B | $125.4M | $6.1M | 1.84% | 4.56% | 0.17% |
| Q4 2025 | $1.32B | $1.18B | $1.01B | $123.9M | $24.3M | 1.95% | 4.92% | 0.19% |
| Q3 2025 | $1.25B | $1.12B | $958.0M | $119.6M | $18.0M | 1.95% | 4.99% | 0.20% |
| Q2 2025 | $1.25B | $1.13B | $973.1M | $114.5M | $11.4M | 1.87% | 4.92% | 0.23% |
| Q1 2025 | $1.22B | $1.09B | $944.2M | $112.0M | $5.8M | 1.90% | 4.88% | 0.19% |
| Q4 2024 | $1.21B | $1.09B | $950.3M | $106.9M | $21.2M | 1.88% | 5.15% | 0.23% |
| Q3 2024 | $1.14B | $1.02B | $894.0M | $107.2M | $15.5M | 1.86% | 5.18% | 0.30% |
Loan mix (Q2 2026): real estate $756.7M · commercial $159.6M · consumer $23.3M · securities $218.1M
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.87% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 59.0% | 61th |
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 | Central 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 | Central 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 | Central 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 | Central Bank | 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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