| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 2.16% | 1.24% | +0.9 pts |
| ROE | 32.6% | 11.9% | +20.7 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.1M | $305.3M | $248.5M | $22.5M | $3.6M | 2.16% | 4.57% | 1.51% |
| Q1 2026 | $330.3M | $307.0M | $241.2M | $22.1M | $1.7M | 2.09% | 4.44% | 1.53% |
| Q4 2025 | $328.4M | $306.1M | $240.6M | $20.9M | $6.0M | 1.88% | 4.43% | 0.03% |
| Q3 2025 | $324.0M | $301.1M | $229.5M | $21.5M | $4.5M | 1.87% | 4.34% | 0.02% |
| Q2 2025 | $318.5M | $299.0M | $229.2M | $18.1M | $2.7M | 1.71% | 4.22% | 0.02% |
| Q1 2025 | $317.4M | $298.1M | $219.5M | $17.9M | $1.2M | 1.58% | 4.07% | 0.00% |
| Q4 2024 | $312.7M | $294.7M | $220.3M | $16.4M | $4.4M | 1.41% | 4.01% | 0.01% |
| Q3 2024 | $311.0M | $290.3M | $219.6M | $19.3M | $3.4M | 1.47% | 3.97% | 0.01% |
Loan mix (Q2 2026): real estate $190.4M · commercial $54.2M · consumer $4.8M · securities $64.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.16% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 32.6% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 62.9% | 23th |
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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