| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +25.4% | +5.5% | +19.9 pts |
| Deposit growth (YoY) | +35.9% | +5.1% | +30.9 pts |
| Loan growth (YoY) | +15.3% | +5.9% | +9.4 pts |
| ROA | 0.32% | 1.26% | -0.9 pts |
| ROE | 2.5% | 12.2% | -9.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.56B | $1.18B | $1.13B | $188.4M | $2.3M | 0.32% | 2.67% | 0.71% |
| Q1 2026 | $1.42B | $1.14B | $1.06B | $187.7M | $1.2M | 0.36% | 2.72% | 0.80% |
| Q4 2025 | $1.34B | $987.8M | $1.02B | $187.2M | $-24.2M | -1.85% | 2.67% | 0.83% |
| Q3 2025 | $1.33B | $919.4M | $1.01B | $185.2M | $-25.4M | -2.62% | 2.64% | 1.01% |
| Q2 2025 | $1.25B | $870.1M | $977.1M | $207.3M | $-1.6M | -0.25% | 2.60% | 0.36% |
| Q1 2025 | $1.26B | $848.7M | $991.6M | $205.2M | $-2.5M | -0.78% | 2.61% | 0.07% |
| Q4 2024 | $1.33B | $818.6M | $1000.0M | $205.7M | $2.4M | 0.18% | 2.46% | 0.02% |
| Q3 2024 | $1.37B | $749.1M | $966.8M | $206.3M | $1.1M | 0.10% | 2.44% | 0.02% |
Loan mix (Q2 2026): real estate $871.5M · commercial $265.8M · consumer $65K · securities $327.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.32% | 1.26% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 12.2% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.67% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.8% | 59.0% | 87th |
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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