| Metric | Deerwood Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.6% | +5.5% | +17.2 pts |
| Deposit growth (YoY) | +24.0% | +5.1% | +18.9 pts |
| Loan growth (YoY) | +3.2% | +5.9% | -2.8 pts |
| ROA | 1.79% | 1.26% | +0.5 pts |
| ROE | 20.3% | 12.2% | +8.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.52B | $1.38B | $946.7M | $135.2M | $13.4M | 1.79% | 4.14% | 0.36% |
| Q1 2026 | $1.56B | $1.42B | $915.6M | $131.8M | $6.6M | 1.77% | 3.99% | 0.40% |
| Q4 2025 | $1.43B | $1.29B | $928.3M | $129.2M | $21.8M | 1.71% | 4.47% | 0.47% |
| Q3 2025 | $1.37B | $1.24B | $909.2M | $126.0M | $16.5M | 1.78% | 4.47% | 0.52% |
| Q2 2025 | $1.24B | $1.11B | $917.6M | $121.8M | $10.1M | 1.68% | 4.50% | 0.63% |
| Q1 2025 | $1.18B | $1.05B | $883.9M | $118.1M | $4.5M | 1.53% | 4.40% | 0.77% |
| Q4 2024 | $1.18B | $1.06B | $886.0M | $114.7M | $13.5M | 1.24% | 4.18% | 0.78% |
| Q3 2024 | $1.17B | $1.06B | $870.0M | $113.7M | $10.9M | 1.37% | 3.97% | 0.46% |
Loan mix (Q2 2026): real estate $733.0M · commercial $198.3M · consumer $7.7M · securities $187.3M
| Ratio | Deerwood Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.26% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 20.3% | 12.2% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 59.0% | 42th |
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 | Deerwood Bank | 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 | Deerwood Bank | 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 | Deerwood Bank | 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 | Deerwood Bank | 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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