| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +33.9% | +4.9% | +29.0 pts |
| Deposit growth (YoY) | +33.1% | +4.3% | +28.8 pts |
| Loan growth (YoY) | +24.2% | +5.3% | +18.8 pts |
| ROA | 1.76% | 1.28% | +0.5 pts |
| ROE | 15.1% | 12.4% | +2.7 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $872.1M | $751.9M | $635.2M | $102.0M | $7.2M | 1.76% | 4.18% | 0.23% |
| Q1 2026 | $903.8M | $783.8M | $635.4M | $100.8M | $3.7M | 1.84% | 4.13% | 0.30% |
| Q4 2025 | $683.3M | $582.2M | $562.0M | $84.5M | $11.6M | 1.85% | 4.46% | 0.00% |
| Q3 2025 | $660.6M | $561.9M | $524.3M | $80.8M | $7.5M | 1.63% | 4.43% | 0.04% |
| Q2 2025 | $651.6M | $565.0M | $511.6M | $77.7M | $4.4M | 1.47% | 4.43% | 0.05% |
| Q1 2025 | $645.9M | $556.4M | $505.1M | $74.5M | $1.0M | 0.73% | 4.22% | 0.06% |
| Q4 2024 | $499.8M | $419.8M | $366.4M | $73.1M | $10.7M | 2.12% | 3.65% | 0.00% |
| Q3 2024 | $521.4M | $404.8M | $367.7M | $74.1M | $9.3M | 2.45% | 3.61% | 0.00% |
Loan mix (Q2 2026): real estate $558.3M · commercial $35.3M · consumer $4.4M · securities $130.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.28% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 61.2% | 9th |
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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