| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +12.9% | +5.6% | +7.3 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 14.4% | 11.9% | +2.6 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.6M | $334.7M | $389.3M | $55.9M | $3.9M | 1.85% | 4.35% | 0.00% |
| Q1 2026 | $428.0M | $339.8M | $380.6M | $53.7M | $1.7M | 1.63% | 4.23% | 0.00% |
| Q4 2025 | $410.2M | $323.4M | $367.3M | $52.0M | $6.2M | 1.61% | 4.29% | 0.16% |
| Q3 2025 | $402.0M | $317.6M | $349.6M | $50.4M | $4.6M | 1.62% | 4.26% | 0.19% |
| Q2 2025 | $386.3M | $303.5M | $344.9M | $48.7M | $2.9M | 1.57% | 4.22% | 0.19% |
| Q1 2025 | $363.3M | $286.7M | $317.1M | $47.1M | $1.3M | 1.45% | 4.14% | 0.21% |
| Q4 2024 | $358.1M | $278.0M | $308.6M | $45.8M | $6.1M | 1.71% | 4.36% | 0.00% |
| Q3 2024 | $359.3M | $275.8M | $306.7M | $44.3M | $4.6M | 1.72% | 4.37% | 0.00% |
Loan mix (Q2 2026): real estate $393.5M · commercial $1.3M · consumer $872K · securities $2.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.8% | 62.9% | 7th |
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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