| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +9.0% | +4.3% | +4.7 pts |
| Loan growth (YoY) | +12.6% | +5.3% | +7.3 pts |
| ROA | 1.41% | 1.28% | +0.1 pts |
| ROE | 16.3% | 12.4% | +3.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $547.5M | $494.7M | $278.7M | $46.7M | $3.8M | 1.41% | 3.84% | 0.12% |
| Q1 2026 | $551.6M | $500.9M | $252.6M | $45.6M | $1.8M | 1.37% | 3.72% | 0.12% |
| Q4 2025 | $518.6M | $465.4M | $239.7M | $48.4M | $7.7M | 1.53% | 3.72% | 0.00% |
| Q3 2025 | $495.3M | $442.4M | $240.2M | $46.5M | $5.9M | 1.57% | 3.68% | 0.00% |
| Q2 2025 | $503.1M | $453.7M | $247.5M | $44.0M | $4.1M | 1.62% | 3.65% | 0.00% |
| Q1 2025 | $502.9M | $457.0M | $247.2M | $41.7M | $1.8M | 1.46% | 3.62% | 0.00% |
| Q4 2024 | $504.0M | $458.4M | $252.0M | $41.9M | $5.6M | 1.19% | 3.43% | 0.00% |
| Q3 2024 | $471.9M | $424.4M | $253.0M | $41.7M | $3.8M | 1.10% | 3.36% | 0.02% |
Loan mix (Q2 2026): real estate $248.1M · commercial $30.2M · consumer $4.5M · securities $170.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.28% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 12.4% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.4% | 61.2% | 57th |
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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