| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +4.8% | +5.3% | -0.6 pts |
| ROA | 1.94% | 1.28% | +0.7 pts |
| ROE | 22.8% | 12.4% | +10.4 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $649.3M | $585.0M | $488.5M | $55.7M | $6.2M | 1.94% | 4.03% | 0.00% |
| Q1 2026 | $647.3M | $583.5M | $483.8M | $55.1M | $2.9M | 1.81% | 3.90% | 0.08% |
| Q4 2025 | $636.1M | $574.3M | $476.8M | $53.4M | $11.1M | 1.79% | 3.90% | 0.14% |
| Q3 2025 | $638.6M | $575.2M | $479.8M | $52.8M | $8.4M | 1.82% | 3.88% | 0.12% |
| Q2 2025 | $606.9M | $547.4M | $466.2M | $51.0M | $5.5M | 1.82% | 3.86% | 0.10% |
| Q1 2025 | $615.5M | $556.5M | $456.4M | $50.6M | $2.6M | 1.72% | 3.70% | 0.13% |
| Q4 2024 | $600.6M | $544.5M | $443.6M | $47.9M | $8.3M | 1.42% | 3.45% | 0.12% |
| Q3 2024 | $573.1M | $515.9M | $436.7M | $48.1M | $6.2M | 1.43% | 3.41% | 0.02% |
Loan mix (Q2 2026): real estate $409.5M · commercial $47.7M · consumer $13.6M · securities $86.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 61.2% | 27th |
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.