| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.9% | +5.5% | +21.5 pts |
| Deposit growth (YoY) | +47.3% | +5.1% | +42.3 pts |
| Loan growth (YoY) | +38.8% | +6.0% | +32.8 pts |
| ROA | 25.35% | 1.26% | +24.1 pts |
| ROE | 90.8% | 12.2% | +78.6 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.44B | $1.44B | $1.69B | $661.0M | $277.4M | 25.35% | 24.80% | 2.58% |
| Q1 2026 | $2.16B | $1.22B | $1.53B | $619.6M | $146.1M | 28.31% | 25.86% | 2.98% |
| Q4 2025 | $1.97B | $1.09B | $1.46B | $553.5M | $514.2M | 27.69% | 24.79% | 3.13% |
| Q3 2025 | $1.92B | $973.6M | $1.32B | $630.9M | $411.6M | 29.99% | 24.25% | 2.80% |
| Q2 2025 | $1.92B | $977.0M | $1.22B | $641.4M | $282.1M | 31.35% | 23.85% | 2.53% |
| Q1 2025 | $1.81B | $917.8M | $1.14B | $593.9M | $144.6M | 33.27% | 24.40% | 2.83% |
| Q4 2024 | $1.66B | $859.9M | $1.12B | $514.3M | $473.6M | 29.46% | 24.49% | 3.04% |
| Q3 2024 | $1.58B | $799.9M | $1.02B | $481.8M | $341.1M | 28.55% | 24.35% | 2.87% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.97B · securities $13.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 25.35% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 90.8% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 24.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.0% | 59.0% | 49th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $1.44B branch deposits. Biggest market: Clark, NV, ranked 13th with 1.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clark, NV | 1 | $1.44B | 1.36% | 13th |
Nevada: 15th with 1.08% · Las Vegas-Henderson-North Las Vegas metro: 13th, 1.36% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 25.9× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).