| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.9% | +4.9% | +16.0 pts |
| Deposit growth (YoY) | +17.2% | +4.3% | +12.8 pts |
| Loan growth (YoY) | +19.2% | +5.3% | +13.8 pts |
| ROA | 1.09% | 1.28% | -0.2 pts |
| ROE | 11.8% | 12.4% | -0.6 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $954.6M | $743.4M | $809.2M | $87.7M | $5.0M | 1.09% | 3.22% | 4.49% |
| Q1 2026 | $937.6M | $736.2M | $802.1M | $85.0M | $2.7M | 1.18% | 3.30% | 4.19% |
| Q4 2025 | $877.8M | $696.3M | $751.2M | $82.8M | $11.2M | 1.40% | 3.46% | 1.48% |
| Q3 2025 | $849.7M | $684.4M | $702.4M | $81.4M | $10.0M | 1.72% | 3.71% | 1.42% |
| Q2 2025 | $789.4M | $634.4M | $679.0M | $77.9M | $6.8M | 1.80% | 3.71% | 0.94% |
| Q1 2025 | $750.7M | $615.4M | $631.4M | $74.5M | $3.5M | 1.87% | 3.70% | 0.99% |
| Q4 2024 | $727.0M | $596.5M | $586.7M | $70.9M | $11.0M | 1.71% | 3.69% | 0.81% |
| Q3 2024 | $674.0M | $561.3M | $559.8M | $52.9M | $7.7M | 1.65% | 3.70% | 0.94% |
Loan mix (Q2 2026): real estate $583.5M · commercial $231.7M · consumer $1.4M · securities $47.2M
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.28% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.4% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.22% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.5% | 61.2% | 2th |
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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