| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +15.0% | +5.6% | +9.4 pts |
| ROA | 1.19% | 1.24% | -0.1 pts |
| ROE | 20.4% | 11.9% | +8.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $316.8M | $272.9M | $196.6M | $18.4M | $1.8M | 1.19% | 3.29% | 0.11% |
| Q1 2026 | $313.0M | $265.1M | $185.9M | $17.8M | $868K | 1.15% | 3.26% | 0.16% |
| Q4 2025 | $291.3M | $249.0M | $182.1M | $17.3M | $2.7M | 0.91% | 2.93% | 0.11% |
| Q3 2025 | $304.7M | $259.2M | $172.7M | $16.5M | $2.0M | 0.92% | 2.83% | 0.10% |
| Q2 2025 | $295.4M | $251.4M | $171.0M | $13.0M | $1.3M | 0.90% | 2.77% | 0.11% |
| Q1 2025 | $298.2M | $256.0M | $168.2M | $13.2M | $604K | 0.82% | 2.67% | 0.11% |
| Q4 2024 | $288.8M | $254.3M | $169.1M | $11.9M | $2.2M | 0.75% | 2.56% | 0.00% |
| Q3 2024 | $294.0M | $241.8M | $164.7M | $15.2M | $1.5M | 0.71% | 2.54% | 0.00% |
Loan mix (Q2 2026): real estate $184.2M · commercial $13.8M · consumer $809K · securities $85.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 20.4% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51th |
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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