| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +13.4% | +5.6% | +7.8 pts |
| ROA | 2.20% | 1.24% | +1.0 pts |
| ROE | 20.0% | 11.9% | +8.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $344.6M | $294.4M | $293.7M | $41.2M | $4.0M | 2.20% | 4.98% | 0.04% |
| Q1 2026 | $362.7M | $319.4M | $281.8M | $39.7M | $2.0M | 2.12% | 4.92% | 0.00% |
| Q4 2025 | $375.3M | $333.5M | $295.1M | $38.6M | $6.7M | 2.00% | 5.06% | 0.01% |
| Q3 2025 | $332.2M | $291.2M | $270.1M | $37.3M | $4.9M | 2.01% | 5.06% | 0.03% |
| Q2 2025 | $325.0M | $286.0M | $259.0M | $35.5M | $3.1M | 1.92% | 5.05% | 0.03% |
| Q1 2025 | $316.4M | $278.5M | $255.5M | $34.7M | $1.4M | 1.81% | 5.02% | 0.24% |
| Q4 2024 | $321.1M | $284.2M | $244.2M | $33.7M | $6.0M | 2.02% | 5.02% | 0.28% |
| Q3 2024 | $298.0M | $261.2M | $234.7M | $33.4M | $4.4M | 2.03% | 5.01% | 1.28% |
Loan mix (Q2 2026): real estate $105.6M · commercial $80.4M · consumer $4.0M · securities $20.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 20.0% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 62.9% | 24th |
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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