| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | +3.3% | +4.3% | -1.0 pts |
| Loan growth (YoY) | +14.9% | +5.3% | +9.6 pts |
| ROA | 2.08% | 1.28% | +0.8 pts |
| ROE | 19.7% | 12.4% | +7.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $634.3M | $532.4M | $411.8M | $68.8M | $6.6M | 2.08% | 4.38% | 0.00% |
| Q1 2026 | $627.0M | $530.9M | $386.4M | $65.2M | $3.4M | 2.17% | 4.30% | 0.02% |
| Q4 2025 | $637.3M | $539.7M | $366.0M | $66.9M | $12.3M | 2.00% | 4.20% | 0.02% |
| Q3 2025 | $611.9M | $515.7M | $368.7M | $63.3M | $8.9M | 1.95% | 4.17% | 0.02% |
| Q2 2025 | $603.4M | $515.3M | $358.3M | $57.2M | $6.3M | 2.09% | 4.11% | 0.01% |
| Q1 2025 | $614.7M | $528.0M | $362.7M | $55.8M | $3.0M | 1.98% | 4.01% | 0.02% |
| Q4 2024 | $606.1M | $518.1M | $345.8M | $57.5M | $11.8M | 2.01% | 4.09% | 0.01% |
| Q3 2024 | $604.6M | $503.9M | $357.9M | $58.6M | $8.6M | 1.96% | 4.07% | 0.01% |
Loan mix (Q2 2026): real estate $308.5M · commercial $50.8M · consumer $4.6M · securities $183.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.28% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 19.7% | 12.4% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 61.2% | 13th |
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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