| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +23.8% | +5.6% | +18.2 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 17.9% | 11.9% | +6.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.5M | $239.6M | $184.7M | $27.7M | $2.4M | 1.85% | 4.83% | 0.73% |
| Q1 2026 | $248.7M | $219.9M | $172.9M | $26.5M | $1.1M | 1.80% | 4.79% | 1.97% |
| Q4 2025 | $247.6M | $219.2M | $162.4M | $25.4M | $4.2M | 1.77% | 4.67% | 0.89% |
| Q3 2025 | $247.2M | $220.1M | $156.1M | $24.8M | $3.1M | 1.77% | 4.63% | 0.28% |
| Q2 2025 | $250.6M | $224.2M | $149.3M | $23.4M | $2.0M | 1.75% | 4.60% | 0.28% |
| Q1 2025 | $229.6M | $205.0M | $141.5M | $22.2M | $945K | 1.68% | 4.56% | 0.31% |
| Q4 2024 | $221.2M | $197.4M | $130.6M | $20.9M | $3.1M | 1.55% | 4.48% | 0.40% |
| Q3 2024 | $205.2M | $181.6M | $121.8M | $21.1M | $2.4M | 1.62% | 4.51% | 0.49% |
Loan mix (Q2 2026): real estate $173.1M · commercial $8.4M · consumer $2.0M · securities $18.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 17.9% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.9% | 62.9% | 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% |
The full ratio pack is part of CharterBench Pro.