| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.4% | +4.9% | +12.5 pts |
| Deposit growth (YoY) | +17.2% | +4.3% | +12.9 pts |
| Loan growth (YoY) | +13.9% | +5.3% | +8.6 pts |
| ROA | 1.86% | 1.28% | +0.6 pts |
| ROE | 21.0% | 12.4% | +8.5 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 | $994.6M | $897.2M | $753.8M | $87.1M | $8.7M | 1.86% | 3.97% | 0.06% |
| Q1 2026 | $937.6M | $824.1M | $736.0M | $83.2M | $4.0M | 1.76% | 3.95% | 0.11% |
| Q4 2025 | $890.2M | $785.4M | $706.1M | $80.0M | $14.2M | 1.66% | 3.87% | 0.14% |
| Q3 2025 | $868.3M | $782.8M | $686.1M | $76.7M | $10.3M | 1.61% | 3.79% | 0.08% |
| Q2 2025 | $847.2M | $765.4M | $661.6M | $72.6M | $6.5M | 1.55% | 3.70% | 0.08% |
| Q1 2025 | $837.4M | $757.3M | $642.3M | $71.6M | $3.1M | 1.46% | 3.55% | 0.07% |
| Q4 2024 | $842.7M | $764.9M | $620.5M | $70.2M | $11.7M | 1.47% | 3.50% | 0.11% |
| Q3 2024 | $823.3M | $746.7M | $615.8M | $69.2M | $8.5M | 1.44% | 3.47% | 0.10% |
Loan mix (Q2 2026): real estate $692.9M · commercial $62.8M · consumer $5.6M · securities $64.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.28% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 12.4% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.4% | 61.2% | 8th |
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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