| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +59.4% | +5.5% | +53.9 pts |
| Deposit growth (YoY) | +59.8% | +5.1% | +54.7 pts |
| Loan growth (YoY) | +67.4% | +5.9% | +61.5 pts |
| ROA | 0.11% | 1.26% | -1.1 pts |
| ROE | 1.0% | 12.2% | -11.2 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.67B | $2.37B | $2.59B | $395.3M | $1.9M | 0.11% | 2.96% | 2.75% |
| Q1 2026 | $3.80B | $2.57B | $2.44B | $395.8M | $-3.3M | -0.42% | 2.40% | 2.45% |
| Q4 2025 | $2.47B | $1.31B | $1.72B | $339.9M | $16.1M | 0.69% | 2.37% | 3.34% |
| Q3 2025 | $2.26B | $1.39B | $1.53B | $338.6M | $14.7M | 0.85% | 2.35% | 2.22% |
| Q2 2025 | $2.30B | $1.48B | $1.55B | $334.0M | $10.8M | 0.93% | 2.26% | 1.86% |
| Q1 2025 | $2.40B | $1.51B | $1.34B | $331.2M | $7.3M | 1.25% | 2.07% | 1.53% |
| Q4 2024 | $2.28B | $1.38B | $1.39B | $332.6M | $17.9M | 0.78% | 2.06% | 1.66% |
| Q3 2024 | $2.62B | $1.58B | $1.29B | $331.3M | $14.9M | 0.86% | 1.97% | 1.05% |
Loan mix (Q2 2026): real estate $2.18B · commercial $254.0M · consumer $16.1M · securities $238.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.11% | 1.26% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.5% | 59.0% | 98th |
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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