| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.0% | +4.9% | +11.1 pts |
| Deposit growth (YoY) | +13.1% | +4.3% | +8.8 pts |
| Loan growth (YoY) | +15.0% | +5.3% | +9.7 pts |
| ROA | 0.73% | 1.28% | -0.6 pts |
| ROE | 7.1% | 12.4% | -5.3 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $943.8M | $702.1M | $704.1M | $88.8M | $3.2M | 0.73% | 5.20% | 0.71% |
| Q1 2026 | $854.0M | $650.1M | $670.9M | $89.5M | $817K | 0.39% | 4.93% | 1.09% |
| Q4 2025 | $834.9M | $640.0M | $644.2M | $89.4M | $5.8M | 0.73% | 5.26% | 1.22% |
| Q3 2025 | $807.1M | $621.0M | $610.8M | $87.0M | $4.3M | 0.72% | 5.22% | 1.47% |
| Q2 2025 | $813.7M | $620.6M | $612.2M | $86.6M | $2.4M | 0.62% | 5.24% | 0.93% |
| Q1 2025 | $753.6M | $602.1M | $574.9M | $84.7M | $-17K | -0.01% | 4.68% | 0.97% |
| Q4 2024 | $785.6M | $581.8M | $577.7M | $84.4M | $2.4M | 0.30% | 5.06% | 1.00% |
| Q3 2024 | $811.3M | $588.9M | $605.1M | $87.1M | $2.7M | 0.44% | 4.98% | 1.13% |
Loan mix (Q2 2026): real estate $666.2M · commercial $34.4M · consumer $5.6M · securities $82.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.28% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 12.4% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.1% | 61.2% | 96th |
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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