| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.7% | +4.9% | +12.8 pts |
| Deposit growth (YoY) | +17.3% | +4.3% | +13.0 pts |
| Loan growth (YoY) | +12.6% | +5.3% | +7.2 pts |
| ROA | 1.88% | 1.28% | +0.6 pts |
| ROE | 19.3% | 12.4% | +6.9 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $551.8M | $495.2M | $422.2M | $54.8M | $5.0M | 1.88% | 3.63% | 0.01% |
| Q1 2026 | $533.1M | $480.3M | $402.8M | $50.8M | $2.4M | 1.87% | 3.63% | 0.01% |
| Q4 2025 | $496.0M | $446.0M | $398.1M | $48.5M | $7.8M | 1.65% | 3.43% | 0.09% |
| Q3 2025 | $485.8M | $436.0M | $387.1M | $47.8M | $5.7M | 1.61% | 3.38% | 0.11% |
| Q2 2025 | $468.9M | $422.1M | $375.1M | $45.1M | $3.7M | 1.57% | 3.31% | 0.12% |
| Q1 2025 | $472.7M | $427.6M | $364.4M | $43.5M | $1.8M | 1.54% | 3.23% | 0.01% |
| Q4 2024 | $453.9M | $411.8M | $362.7M | $40.9M | $5.6M | 1.24% | 2.91% | 0.01% |
| Q3 2024 | $454.6M | $411.4M | $358.9M | $41.7M | $4.1M | 1.20% | 2.81% | 0.01% |
Loan mix (Q2 2026): real estate $406.5M · commercial $6.7M · consumer $7.7M · securities $40.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 12.4% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.6% | 61.2% | 18th |
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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