| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +13.0% | +4.0% | +9.0 pts |
| Loan growth (YoY) | +9.4% | +5.6% | +3.8 pts |
| ROA | 1.39% | 1.24% | +0.1 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $341.6M | $287.5M | $175.2M | $32.3M | $2.3M | 1.39% | 3.17% | 0.10% |
| Q1 2026 | $328.6M | $262.1M | $169.2M | $31.2M | $1.1M | 1.34% | 3.12% | 0.06% |
| Q4 2025 | $328.8M | $272.9M | $171.4M | $30.7M | $3.5M | 1.14% | 2.97% | 0.20% |
| Q3 2025 | $324.9M | $275.1M | $165.8M | $30.0M | $2.8M | 1.25% | 2.91% | 0.20% |
| Q2 2025 | $309.4M | $254.5M | $160.2M | $28.1M | $1.8M | 1.21% | 2.87% | 0.25% |
| Q1 2025 | $293.9M | $244.3M | $149.6M | $26.8M | $841K | 1.15% | 2.79% | 0.27% |
| Q4 2024 | $291.0M | $241.3M | $148.0M | $25.0M | $2.3M | 0.83% | 2.52% | 0.32% |
| Q3 2024 | $281.6M | $238.4M | $134.8M | $26.3M | $1.8M | 0.89% | 2.42% | 0.02% |
Loan mix (Q2 2026): real estate $153.9M · commercial $11.6M · consumer $3.0M · securities $157.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 62.9% | 3th |
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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