| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.6% | +5.5% | +9.2 pts |
| Deposit growth (YoY) | +16.3% | +5.1% | +11.3 pts |
| Loan growth (YoY) | +14.1% | +5.9% | +8.2 pts |
| ROA | 2.36% | 1.26% | +1.1 pts |
| ROE | 23.1% | 12.2% | +11.0 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.03B | $912.0M | $800.1M | $105.1M | $11.9M | 2.36% | 4.99% | 0.36% |
| Q1 2026 | $1.02B | $905.1M | $775.1M | $101.9M | $5.7M | 2.28% | 4.90% | 0.38% |
| Q4 2025 | $984.3M | $872.3M | $768.1M | $101.4M | $18.7M | 2.00% | 4.89% | 0.70% |
| Q3 2025 | $965.5M | $834.3M | $735.6M | $95.6M | $13.0M | 1.87% | 4.79% | 0.69% |
| Q2 2025 | $894.8M | $784.0M | $701.4M | $91.3M | $7.6M | 1.67% | 4.65% | 0.63% |
| Q1 2025 | $921.1M | $822.8M | $682.1M | $90.5M | $3.9M | 1.67% | 4.47% | 0.14% |
| Q4 2024 | $924.6M | $824.1M | $656.4M | $91.5M | $15.1M | 1.78% | 4.55% | 0.12% |
| Q3 2024 | $844.6M | $748.8M | $650.3M | $87.9M | $11.1M | 1.78% | 4.56% | 0.22% |
Loan mix (Q2 2026): real estate $592.4M · commercial $164.3M · consumer $20.6M · securities $85.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.36% | 1.26% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 12.2% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.9% | 59.0% | 32th |
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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