| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.9% | +3.2 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.5 pts |
| Loan growth (YoY) | +10.5% | +5.3% | +5.1 pts |
| ROA | 2.54% | 1.28% | +1.3 pts |
| ROE | 21.6% | 12.4% | +9.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $864.3M | $756.3M | $635.9M | $103.2M | $10.8M | 2.54% | 4.50% | 0.18% |
| Q1 2026 | $840.1M | $735.0M | $613.5M | $101.0M | $5.3M | 2.51% | 4.44% | 0.15% |
| Q4 2025 | $845.5M | $745.6M | $606.8M | $96.0M | $20.2M | 2.50% | 4.57% | 0.08% |
| Q3 2025 | $826.5M | $723.5M | $591.1M | $98.1M | $14.9M | 2.49% | 4.53% | 0.07% |
| Q2 2025 | $799.8M | $701.3M | $575.6M | $94.2M | $9.5M | 2.42% | 4.46% | 0.09% |
| Q1 2025 | $776.3M | $680.9M | $564.5M | $91.5M | $4.5M | 2.32% | 4.32% | 0.06% |
| Q4 2024 | $787.3M | $698.1M | $548.2M | $86.0M | $17.9M | 2.33% | 4.38% | 0.08% |
| Q3 2024 | $787.3M | $692.6M | $544.1M | $87.3M | $13.1M | 2.29% | 4.26% | 0.08% |
Loan mix (Q2 2026): real estate $535.2M · commercial $50.6M · consumer $58.0M · securities $58.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.54% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 21.6% | 12.4% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.50% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 61.2% | 16th |
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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