| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +4.4% | +10.3 pts |
| Deposit growth (YoY) | +18.4% | +4.0% | +14.4 pts |
| Loan growth (YoY) | +17.7% | +5.6% | +12.1 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 15.8% | 11.9% | +3.9 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $215.4M | $165.1M | $176.9M | $23.8M | $1.9M | 1.78% | 3.36% | 0.15% |
| Q1 2026 | $211.8M | $161.1M | $175.7M | $24.2M | $878K | 1.68% | 3.35% | 0.47% |
| Q4 2025 | $205.1M | $155.1M | $179.2M | $23.5M | $3.1M | 1.64% | 3.47% | 0.56% |
| Q3 2025 | $195.8M | $146.4M | $168.0M | $22.6M | $2.2M | 1.59% | 3.43% | 0.59% |
| Q2 2025 | $187.8M | $139.5M | $150.4M | $21.7M | $1.3M | 1.46% | 3.33% | 0.92% |
| Q1 2025 | $178.4M | $134.4M | $146.2M | $22.3M | $661K | 1.47% | 3.32% | 0.44% |
| Q4 2024 | $182.1M | $139.0M | $147.5M | $21.7M | $3.2M | 1.87% | 3.88% | 0.46% |
| Q3 2024 | $181.5M | $138.6M | $144.1M | $21.0M | $2.4M | 1.95% | 3.94% | 0.30% |
Loan mix (Q2 2026): real estate $97.3M · commercial $17.0M · consumer $1.2M · securities $72K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.2% | 62.9% | 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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