| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +102.2% | +5.5% | +96.7 pts |
| Deposit growth (YoY) | +117.8% | +5.1% | +112.8 pts |
| Loan growth (YoY) | +97.6% | +5.9% | +91.7 pts |
| ROA | 1.61% | 1.26% | +0.3 pts |
| ROE | 16.6% | 12.2% | +4.4 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.27B | $1.12B | $914.8M | $124.5M | $10.1M | 1.61% | 4.24% | 0.58% |
| Q1 2026 | $1.26B | $1.12B | $907.8M | $122.3M | $5.0M | 1.59% | 4.18% | 0.59% |
| Q4 2025 | $1.25B | $1.11B | $908.3M | $118.5M | $4.5M | 0.53% | 3.93% | 0.30% |
| Q3 2025 | $1.24B | $1.11B | $891.1M | $115.0M | $-517K | -0.09% | 3.62% | 0.13% |
| Q2 2025 | $626.5M | $514.7M | $463.0M | $56.2M | $3.6M | 1.19% | 3.38% | 0.04% |
| Q1 2025 | $605.2M | $506.5M | $445.2M | $55.5M | $1.8M | 1.20% | 3.34% | 0.07% |
| Q4 2024 | $594.0M | $489.6M | $432.0M | $53.1M | $4.5M | 0.78% | 3.08% | 0.07% |
| Q3 2024 | $585.9M | $496.7M | $406.9M | $55.5M | $4.1M | 0.97% | 3.03% | 0.08% |
Loan mix (Q2 2026): real estate $763.8M · commercial $115.4M · consumer $10.8M · securities $225.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 12.2% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 59.0% | 25th |
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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