| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.4% | +4.9% | +4.5 pts |
| Deposit growth (YoY) | +0.8% | +4.3% | -3.5 pts |
| Loan growth (YoY) | +11.2% | +5.3% | +5.8 pts |
| ROA | 6.21% | 1.28% | +4.9 pts |
| ROE | 80.7% | 12.4% | +68.3 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 | $535.1M | $472.2M | $291.8M | $48.7M | $16.0M | 6.21% | 3.81% | 2.00% |
| Q1 2026 | $522.2M | $466.5M | $283.4M | $40.7M | $10.8M | 8.55% | 3.68% | 2.02% |
| Q4 2025 | $491.1M | $459.7M | $276.7M | $29.7M | $11.4M | 2.30% | 3.57% | 2.14% |
| Q3 2025 | $489.5M | $466.7M | $274.5M | $20.7M | $3.0M | 0.80% | 3.50% | 2.29% |
| Q2 2025 | $489.1M | $468.3M | $262.4M | $18.9M | $1.9M | 0.78% | 3.46% | 2.24% |
| Q1 2025 | $505.7M | $486.6M | $258.7M | $17.1M | $831K | 0.67% | 3.24% | 2.00% |
| Q4 2024 | $493.6M | $476.7M | $256.7M | $15.4M | $2.4M | 0.53% | 3.15% | 2.50% |
| Q3 2024 | $459.2M | $442.7M | $250.7M | $14.5M | $1.8M | 0.53% | 3.20% | 1.92% |
Loan mix (Q2 2026): real estate $256.2M · commercial $23.0M · consumer $11.3M · securities $174.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 6.21% | 1.28% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 80.7% | 12.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.7% | 61.2% | 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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