| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.2 pts |
| Loan growth (YoY) | +16.5% | +5.6% | +10.9 pts |
| ROA | 1.49% | 1.24% | +0.3 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.8M | $232.9M | $146.1M | $34.0M | $1.9M | 1.49% | 4.55% | 0.00% |
| Q1 2026 | $255.9M | $219.8M | $139.3M | $33.4M | $910K | 1.45% | 4.52% | 0.00% |
| Q4 2025 | $245.0M | $209.6M | $137.8M | $32.5M | $3.7M | 1.68% | 4.83% | 0.00% |
| Q3 2025 | $246.9M | $211.7M | $133.6M | $32.4M | $2.8M | 1.75% | 4.80% | 0.00% |
| Q2 2025 | $243.9M | $211.4M | $125.4M | $29.8M | $1.5M | 1.45% | 4.78% | 0.00% |
| Q1 2025 | $183.5M | $156.2M | $97.5M | $26.2M | $570K | 1.27% | 4.49% | 0.00% |
| Q4 2024 | $175.1M | $148.7M | $99.0M | $25.2M | $2.0M | 1.20% | 4.49% | 0.23% |
| Q3 2024 | $171.8M | $145.3M | $96.8M | $25.3M | $1.4M | 1.16% | 4.44% | 0.00% |
Loan mix (Q2 2026): real estate $119.4M · commercial $12.1M · consumer $2.3M · securities $66.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 32th |
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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