| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.9% | +5.4 pts |
| Deposit growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| Loan growth (YoY) | +10.0% | +5.3% | +4.7 pts |
| ROA | 1.14% | 1.28% | -0.1 pts |
| ROE | 10.6% | 12.4% | -1.9 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $980.3M | $814.1M | $796.4M | $103.0M | $5.5M | 1.14% | 6.71% | 1.52% |
| Q1 2026 | $965.3M | $791.0M | $784.3M | $105.1M | $2.5M | 1.06% | 6.52% | 1.60% |
| Q4 2025 | $932.7M | $767.6M | $759.9M | $102.8M | $12.7M | 1.44% | 7.06% | 1.70% |
| Q3 2025 | $909.6M | $758.9M | $754.3M | $100.6M | $9.9M | 1.51% | 7.07% | 0.74% |
| Q2 2025 | $889.1M | $737.2M | $723.8M | $98.5M | $6.6M | 1.52% | 6.79% | 0.56% |
| Q1 2025 | $854.9M | $698.8M | $708.6M | $96.5M | $3.2M | 1.53% | 6.55% | 0.51% |
| Q4 2024 | $838.7M | $691.5M | $687.7M | $92.9M | $11.1M | 1.42% | 6.51% | 0.61% |
| Q3 2024 | $790.1M | $652.6M | $650.9M | $86.7M | $8.3M | 1.45% | 6.25% | 0.53% |
Loan mix (Q2 2026): real estate $674.3M · commercial $127.4M · consumer $7.3M · securities $11.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.28% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 12.4% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.71% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 61.2% | 70th |
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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