| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.7% | +4.9% | +10.8 pts |
| Deposit growth (YoY) | +14.0% | +4.3% | +9.7 pts |
| Loan growth (YoY) | +22.0% | +5.3% | +16.6 pts |
| ROA | 1.17% | 1.28% | -0.1 pts |
| ROE | 15.9% | 12.4% | +3.5 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $982.6M | $869.8M | $640.4M | $68.7M | $5.5M | 1.17% | 4.17% | 0.36% |
| Q1 2026 | $946.6M | $855.3M | $603.7M | $68.5M | $3.0M | 1.30% | 4.03% | 1.31% |
| Q4 2025 | $894.2M | $820.9M | $558.4M | $69.9M | $9.8M | 1.13% | 4.08% | 0.16% |
| Q3 2025 | $868.0M | $771.1M | $529.9M | $68.4M | $7.5M | 1.16% | 4.01% | 0.17% |
| Q2 2025 | $849.5M | $762.8M | $525.1M | $62.6M | $4.8M | 1.12% | 3.95% | 0.22% |
| Q1 2025 | $847.4M | $764.5M | $495.2M | $60.1M | $2.0M | 0.96% | 3.86% | 0.18% |
| Q4 2024 | $857.8M | $778.5M | $487.2M | $55.9M | $8.5M | 1.05% | 3.81% | 0.24% |
| Q3 2024 | $845.5M | $759.6M | $491.4M | $62.2M | $5.9M | 0.99% | 3.75% | 0.22% |
Loan mix (Q2 2026): real estate $485.2M · commercial $77.0M · consumer $26.6M · securities $264.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 61.2% | 76th |
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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