| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.2% | +4.9% | +8.3 pts |
| Deposit growth (YoY) | +12.8% | +4.3% | +8.4 pts |
| Loan growth (YoY) | +13.0% | +5.3% | +7.7 pts |
| ROA | 1.95% | 1.28% | +0.7 pts |
| ROE | 19.3% | 12.4% | +6.8 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $772.5M | $678.7M | $604.5M | $79.0M | $7.3M | 1.95% | 4.42% | 0.49% |
| Q1 2026 | $775.1M | $688.2M | $577.6M | $76.0M | $3.6M | 1.97% | 4.25% | 0.43% |
| Q4 2025 | $704.6M | $620.7M | $553.5M | $73.0M | $10.9M | 1.59% | 4.28% | 0.39% |
| Q3 2025 | $685.6M | $602.8M | $544.6M | $72.0M | $8.1M | 1.59% | 4.20% | 0.40% |
| Q2 2025 | $682.5M | $601.8M | $534.9M | $69.1M | $5.3M | 1.58% | 4.13% | 0.39% |
| Q1 2025 | $687.0M | $609.1M | $533.6M | $66.7M | $2.6M | 1.54% | 4.08% | 0.37% |
| Q4 2024 | $666.7M | $591.4M | $544.3M | $64.1M | $8.3M | 1.24% | 3.61% | 0.43% |
| Q3 2024 | $692.2M | $590.9M | $547.4M | $63.4M | $5.7M | 1.13% | 3.47% | 0.43% |
Loan mix (Q2 2026): real estate $254.9M · commercial $47.3M · consumer $293.6M · securities $101.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.28% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.0% | 61.2% | 12th |
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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