| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.3% | +4.4% | +10.0 pts |
| Deposit growth (YoY) | +13.4% | +4.0% | +9.4 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 2.94% | 1.24% | +1.7 pts |
| ROE | 23.7% | 11.9% | +11.8 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $410.2M | $336.6M | $319.4M | $50.6M | $6.0M | 2.94% | 4.78% | 0.11% |
| Q1 2026 | $399.1M | $328.8M | $317.1M | $50.6M | $2.7M | 2.61% | 4.74% | 0.12% |
| Q4 2025 | $413.6M | $351.5M | $325.5M | $50.6M | $17.9M | 4.84% | 5.01% | 0.11% |
| Q3 2025 | $375.0M | $314.4M | $292.1M | $50.5M | $15.1M | 5.61% | 5.10% | 0.00% |
| Q2 2025 | $358.8M | $296.8M | $300.2M | $50.4M | $12.8M | 7.20% | 5.06% | 0.00% |
| Q1 2025 | $348.2M | $289.0M | $288.7M | $50.4M | $4.1M | 4.66% | 5.00% | 0.00% |
| Q4 2024 | $356.5M | $296.1M | $288.0M | $50.2M | $18.4M | 4.99% | 4.22% | 0.00% |
| Q3 2024 | $353.6M | $282.5M | $276.6M | $50.2M | $13.3M | 4.74% | 4.07% | 0.00% |
Loan mix (Q2 2026): real estate $146.7M · commercial $177.7M · consumer $50K · securities $13.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.94% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.8% | 62.9% | 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 | 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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