| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.5% | +4.9% | +14.6 pts |
| Deposit growth (YoY) | +15.9% | +4.3% | +11.5 pts |
| Loan growth (YoY) | +49.8% | +5.3% | +44.5 pts |
| ROA | 1.64% | 1.28% | +0.4 pts |
| ROE | 11.1% | 12.4% | -1.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $831.6M | $693.2M | $140.4M | $134.5M | $7.3M | 1.64% | 4.74% | 0.00% |
| Q1 2026 | $862.4M | $698.8M | $166.2M | $132.9M | $4.8M | 2.07% | 5.43% | 0.00% |
| Q4 2025 | $983.7M | $846.2M | $262.2M | $130.3M | $11.7M | 1.53% | 3.77% | 0.00% |
| Q3 2025 | $739.7M | $608.4M | $115.3M | $127.7M | $9.4M | 1.78% | 4.20% | 0.00% |
| Q2 2025 | $696.2M | $598.3M | $93.7M | $93.5M | $7.1M | 2.05% | 4.83% | 0.00% |
| Q1 2025 | $706.2M | $589.9M | $58.2M | $90.7M | $5.5M | 3.14% | 6.70% | 0.00% |
| Q4 2024 | $684.4M | $594.7M | $55.7M | $84.0M | $10.4M | 1.97% | 6.59% | 0.00% |
| Q3 2024 | $415.6M | $324.4M | $46.8M | $83.6M | $8.9M | 2.44% | 8.11% | 0.00% |
Loan mix (Q2 2026): real estate $9.4M · commercial $56.8M · consumer $74.0M · securities $509.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.28% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 12.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.74% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 61.2% | 53th |
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.