| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.7 pts |
| Loan growth (YoY) | +7.8% | +5.6% | +2.2 pts |
| ROA | 1.58% | 1.24% | +0.3 pts |
| ROE | 15.3% | 11.9% | +3.4 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 | $394.8M | $350.7M | $289.6M | $41.6M | $3.1M | 1.58% | 3.70% | 0.05% |
| Q1 2026 | $405.1M | $361.4M | $274.4M | $41.3M | $1.8M | 1.78% | 3.48% | 0.15% |
| Q4 2025 | $392.1M | $348.7M | $279.8M | $40.4M | $7.2M | 1.97% | 3.71% | 0.13% |
| Q3 2025 | $382.4M | $341.0M | $273.0M | $38.4M | $5.2M | 1.94% | 3.72% | 0.14% |
| Q2 2025 | $356.2M | $317.0M | $268.7M | $36.6M | $3.3M | 1.89% | 3.76% | 0.17% |
| Q1 2025 | $359.4M | $320.7M | $261.6M | $36.2M | $1.6M | 1.89% | 3.67% | 0.04% |
| Q4 2024 | $337.7M | $300.8M | $257.0M | $34.7M | $5.3M | 1.66% | 3.60% | 0.03% |
| Q3 2024 | $323.4M | $286.9M | $248.0M | $33.9M | $3.8M | 1.61% | 3.58% | 0.10% |
Loan mix (Q2 2026): real estate $218.7M · commercial $36.2M · consumer $10.6M · securities $45.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.4% | 62.9% | 30th |
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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