| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.9% | +0.7 pts |
| Deposit growth (YoY) | +13.3% | +4.3% | +9.0 pts |
| Loan growth (YoY) | +5.7% | +5.3% | +0.3 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 10.8% | 12.4% | -1.6 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $686.6M | $540.4M | $587.9M | $63.2M | $3.3M | 0.97% | 3.48% | 0.83% |
| Q1 2026 | $690.3M | $555.4M | $586.2M | $61.1M | $1.4M | 0.83% | 3.38% | 0.81% |
| Q4 2025 | $673.1M | $535.4M | $576.7M | $60.1M | $5.5M | 0.84% | 3.20% | 0.76% |
| Q3 2025 | $662.9M | $489.0M | $565.2M | $60.8M | $4.0M | 0.83% | 3.12% | 0.85% |
| Q2 2025 | $650.0M | $477.0M | $556.4M | $59.1M | $2.7M | 0.83% | 3.05% | 0.65% |
| Q1 2025 | $629.1M | $502.4M | $535.3M | $58.0M | $1.3M | 0.82% | 2.99% | 0.88% |
| Q4 2024 | $664.0M | $529.7M | $563.1M | $56.7M | $2.9M | 0.45% | 2.63% | 0.95% |
| Q3 2024 | $668.0M | $528.8M | $560.1M | $56.0M | $1.6M | 0.32% | 2.55% | 1.00% |
Loan mix (Q2 2026): real estate $579.5M · commercial $13.3M · consumer $990K · securities $18.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.6% | 61.2% | 84th |
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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