| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +112.1% | +5.5% | +106.6 pts |
| Deposit growth (YoY) | +114.7% | +5.1% | +109.6 pts |
| Loan growth (YoY) | +71.2% | +5.9% | +65.2 pts |
| ROA | 8.13% | 1.26% | +6.9 pts |
| ROE | 73.3% | 12.2% | +61.2 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.77B | $1.53B | $356.6M | $174.8M | $54.3M | 8.13% | 8.63% | 0.01% |
| Q1 2026 | $1.39B | $1.18B | $320.8M | $145.3M | $23.2M | 8.28% | 9.63% | 0.07% |
| Q4 2025 | $849.9M | $688.1M | $210.2M | $124.3M | $67.9M | 7.76% | 10.59% | 0.11% |
| Q3 2025 | $1.17B | $1.03B | $223.6M | $108.8M | $51.5M | 7.80% | 10.86% | 0.10% |
| Q2 2025 | $834.0M | $712.4M | $208.4M | $85.7M | $33.7M | 8.58% | 12.53% | 0.11% |
| Q1 2025 | $785.5M | $689.3M | $219.5M | $62.1M | $10.4M | 5.47% | 6.38% | 0.12% |
| Q4 2024 | $734.9M | $653.8M | $212.9M | $48.5M | $13.2M | 2.29% | 3.94% | 0.13% |
| Q3 2024 | $658.6M | $590.2M | $207.4M | $47.4M | $7.1M | 1.78% | 4.16% | 0.14% |
Loan mix (Q2 2026): real estate $162.7M · commercial $32.9M · consumer $162.4M · securities $604.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.13% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 73.3% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.9% | 59.0% | 7th |
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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