| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.4% | +7.9 pts |
| Deposit growth (YoY) | +11.8% | +4.0% | +7.8 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.3 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 21.9% | 11.9% | +10.0 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $453.8M | $409.7M | $344.4M | $41.8M | $4.5M | 2.01% | 4.14% | 2.41% |
| Q1 2026 | $447.0M | $403.0M | $334.9M | $41.5M | $3.0M | 2.73% | 4.20% | 2.18% |
| Q4 2025 | $431.0M | $390.3M | $332.9M | $38.9M | $5.6M | 1.38% | 4.22% | 2.25% |
| Q3 2025 | $416.2M | $376.1M | $327.6M | $38.0M | $4.0M | 1.33% | 4.16% | 2.30% |
| Q2 2025 | $404.4M | $366.6M | $319.3M | $36.0M | $2.5M | 1.26% | 4.06% | 2.24% |
| Q1 2025 | $400.8M | $363.9M | $304.2M | $34.9M | $1.1M | 1.07% | 3.85% | 2.05% |
| Q4 2024 | $395.1M | $358.8M | $287.6M | $33.8M | $4.5M | 1.20% | 3.97% | 0.45% |
| Q3 2024 | $387.0M | $351.5M | $285.9M | $33.6M | $3.1M | 1.14% | 3.93% | 0.46% |
Loan mix (Q2 2026): real estate $286.3M · commercial $21.7M · consumer $3.4M · securities $33.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 62.9% | 15th |
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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