| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.5% | +4.4% | +9.1 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.5 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 2.46% | 1.24% | +1.2 pts |
| ROE | 24.3% | 11.9% | +12.4 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $180.4M | $137.3M | $146.1M | $18.6M | $2.2M | 2.46% | 4.94% | 0.63% |
| Q1 2026 | $172.9M | $140.8M | $137.1M | $18.0M | $1.2M | 2.60% | 4.88% | 0.90% |
| Q4 2025 | $181.8M | $153.1M | $142.5M | $17.5M | $4.4M | 2.66% | 4.95% | 0.45% |
| Q3 2025 | $162.9M | $123.5M | $125.1M | $18.0M | $3.5M | 2.85% | 4.99% | 0.58% |
| Q2 2025 | $159.0M | $125.5M | $124.3M | $16.9M | $2.2M | 2.77% | 4.94% | 0.66% |
| Q1 2025 | $166.9M | $129.6M | $123.5M | $16.3M | $1.1M | 2.69% | 4.76% | 0.65% |
| Q4 2024 | $160.4M | $138.7M | $121.7M | $15.5M | $3.8M | 2.51% | 4.72% | 0.58% |
| Q3 2024 | $158.0M | $130.2M | $114.8M | $16.0M | $2.7M | 2.33% | 4.58% | 0.49% |
Loan mix (Q2 2026): real estate $33.4M · commercial $20.2M · consumer $5.8M · securities $21.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.46% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.8% | 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% |
The full ratio pack is part of CharterBench Pro.