| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +16.7% | +5.6% | +11.1 pts |
| ROA | 3.60% | 1.24% | +2.4 pts |
| ROE | 23.7% | 11.9% | +11.8 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $299.2M | $252.2M | $240.8M | $46.1M | $5.3M | 3.60% | 6.08% | 0.12% |
| Q1 2026 | $303.3M | $258.8M | $232.7M | $44.0M | $2.6M | 3.57% | 6.00% | 0.28% |
| Q4 2025 | $283.8M | $237.9M | $230.5M | $44.5M | $9.0M | 3.10% | 5.85% | 0.10% |
| Q3 2025 | $293.1M | $248.3M | $218.7M | $43.7M | $6.9M | 3.16% | 5.73% | 0.08% |
| Q2 2025 | $297.5M | $255.3M | $206.4M | $41.1M | $4.5M | 3.09% | 5.63% | 0.10% |
| Q1 2025 | $299.5M | $259.8M | $190.0M | $38.7M | $1.9M | 2.64% | 5.47% | 0.09% |
| Q4 2024 | $282.7M | $243.1M | $188.8M | $38.9M | $8.2M | 2.93% | 5.46% | 0.15% |
| Q3 2024 | $272.2M | $231.4M | $184.3M | $39.5M | $6.4M | 3.09% | 5.42% | 0.21% |
Loan mix (Q2 2026): real estate $193.6M · commercial $26.4M · consumer $11.7M · securities $30.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.60% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.9% | 62.9% | 7th |
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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