| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +4.5% | +4.3% | +0.1 pts |
| Loan growth (YoY) | +13.2% | +5.3% | +7.8 pts |
| ROA | 2.44% | 1.28% | +1.2 pts |
| ROE | 37.9% | 12.4% | +25.4 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $694.3M | $638.3M | $496.0M | $45.9M | $8.4M | 2.44% | 4.83% | 0.14% |
| Q1 2026 | $697.8M | $644.4M | $479.1M | $44.2M | $4.2M | 2.45% | 4.88% | 0.30% |
| Q4 2025 | $675.7M | $623.6M | $456.4M | $43.3M | $14.8M | 2.24% | 4.74% | 0.30% |
| Q3 2025 | $672.6M | $622.0M | $444.9M | $41.4M | $11.3M | 2.30% | 4.71% | 0.27% |
| Q2 2025 | $657.2M | $611.1M | $438.2M | $38.2M | $7.4M | 2.29% | 4.67% | 0.20% |
| Q1 2025 | $661.4M | $617.6M | $408.0M | $37.2M | $3.4M | 2.07% | 4.53% | 0.16% |
| Q4 2024 | $632.0M | $590.4M | $395.7M | $34.6M | $13.3M | 2.18% | 4.61% | 0.18% |
| Q3 2024 | $614.6M | $570.7M | $377.9M | $36.7M | $10.1M | 2.23% | 4.59% | 0.14% |
Loan mix (Q2 2026): real estate $419.7M · commercial $58.6M · consumer $21.9M · securities $150.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.28% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 37.9% | 12.4% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 61.2% | 14th |
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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