| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.9% | +2.6 pts |
| Deposit growth (YoY) | +6.8% | +4.3% | +2.5 pts |
| Loan growth (YoY) | +17.7% | +5.3% | +12.4 pts |
| ROA | 1.60% | 1.28% | +0.3 pts |
| ROE | 14.8% | 12.4% | +2.3 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $631.1M | $556.5M | $456.5M | $67.7M | $4.9M | 1.60% | 4.46% | 0.00% |
| Q1 2026 | $629.2M | $555.6M | $428.7M | $67.1M | $2.3M | 1.53% | 4.30% | 0.00% |
| Q4 2025 | $585.2M | $512.4M | $411.8M | $65.6M | $11.1M | 1.95% | 4.49% | 0.00% |
| Q3 2025 | $578.2M | $507.5M | $400.5M | $63.1M | $8.7M | 2.03% | 4.47% | 0.00% |
| Q2 2025 | $587.0M | $520.9M | $387.7M | $60.2M | $6.1M | 2.17% | 4.40% | 0.00% |
| Q1 2025 | $553.7M | $487.8M | $380.7M | $58.8M | $3.6M | 2.57% | 4.33% | 0.00% |
| Q4 2024 | $553.5M | $495.2M | $377.7M | $53.3M | $10.2M | 1.85% | 4.27% | 0.00% |
| Q3 2024 | $536.7M | $475.4M | $374.4M | $55.1M | $7.6M | 1.85% | 4.25% | 0.00% |
Loan mix (Q2 2026): real estate $325.0M · commercial $131.9M · consumer $4.8M · securities $88.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.28% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.8% | 61.2% | 34th |
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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