| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +3.0% | +2.9 pts |
| Deposit growth (YoY) | +5.9% | +2.5% | +3.5 pts |
| Loan growth (YoY) | +37.9% | +2.6% | +35.3 pts |
| ROA | 2.16% | 0.99% | +1.2 pts |
| ROE | 12.9% | 8.1% | +4.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.6M | $64.0M | $27.9M | $13.1M | $838K | 2.16% | 3.60% | 0.00% |
| Q1 2026 | $77.9M | $64.3M | $23.3M | $13.0M | $444K | 2.29% | 3.49% | 0.00% |
| Q4 2025 | $77.2M | $63.7M | $26.1M | $13.0M | $1.6M | 2.14% | 3.65% | 0.00% |
| Q3 2025 | $74.2M | $60.9M | $24.0M | $12.7M | $1.3M | 2.36% | 3.64% | 0.00% |
| Q2 2025 | $73.3M | $60.5M | $20.2M | $12.3M | $785K | 2.22% | 3.55% | 0.00% |
| Q1 2025 | $69.7M | $56.9M | $19.0M | $12.2M | $413K | 2.38% | 3.57% | 0.00% |
| Q4 2024 | $69.2M | $56.6M | $16.9M | $12.1M | $1.9M | 2.81% | 4.25% | 0.00% |
| Q3 2024 | $66.1M | $53.8M | $19.0M | $11.8M | $1.6M | 3.10% | 4.37% | 0.00% |
Loan mix (Q2 2026): real estate $12.0M · commercial $4.0M · consumer $2.9M · securities $4.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 0.99% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 8.1% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 70.8% | 3th |
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% |
The full ratio pack is part of CharterBench Pro.