| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +5.8% | +4.3% | +1.4 pts |
| Loan growth (YoY) | +7.9% | +5.3% | +2.5 pts |
| ROA | 2.35% | 1.28% | +1.1 pts |
| ROE | 17.5% | 12.4% | +5.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $628.6M | $537.8M | $483.9M | $86.1M | $7.4M | 2.35% | 4.72% | 1.60% |
| Q1 2026 | $639.3M | $548.3M | $468.4M | $86.4M | $3.6M | 2.28% | 4.54% | 1.61% |
| Q4 2025 | $629.6M | $542.4M | $462.8M | $82.9M | $15.5M | 2.58% | 5.18% | 1.59% |
| Q3 2025 | $613.1M | $527.6M | $448.6M | $80.0M | $12.0M | 2.68% | 5.25% | 0.89% |
| Q2 2025 | $595.1M | $508.5M | $448.6M | $81.4M | $8.1M | 2.73% | 5.29% | 0.95% |
| Q1 2025 | $594.8M | $512.7M | $430.6M | $77.0M | $3.7M | 2.48% | 5.42% | 1.05% |
| Q4 2024 | $582.6M | $504.5M | $429.9M | $73.1M | $12.5M | 2.24% | 4.86% | 2.25% |
| Q3 2024 | $559.5M | $484.4M | $416.5M | $70.2M | $9.4M | 2.28% | 4.88% | 2.29% |
Loan mix (Q2 2026): real estate $461.9M · commercial $18.6M · consumer $9.0M · securities $84.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 1.28% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 12.4% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.1% | 61.2% | 4th |
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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