| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +20.0% | +5.6% | +14.4 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 14.9% | 11.9% | +3.1 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $325.8M | $289.0M | $178.2M | $36.0M | $2.6M | 1.61% | 3.89% | 0.07% |
| Q1 2026 | $331.0M | $295.3M | $184.0M | $34.9M | $1.2M | 1.47% | 3.73% | 0.00% |
| Q4 2025 | $322.7M | $282.4M | $178.3M | $34.8M | $4.6M | 1.46% | 3.58% | 0.00% |
| Q3 2025 | $315.8M | $281.2M | $162.7M | $33.7M | $3.3M | 1.39% | 3.54% | 0.00% |
| Q2 2025 | $316.8M | $284.8M | $148.5M | $31.2M | $2.1M | 1.34% | 3.44% | 0.01% |
| Q1 2025 | $325.6M | $295.8M | $143.0M | $29.1M | $864K | 1.12% | 3.32% | 0.00% |
| Q4 2024 | $294.1M | $266.7M | $134.4M | $26.9M | $3.1M | 1.03% | 3.07% | 0.00% |
| Q3 2024 | $294.7M | $265.2M | $124.8M | $28.7M | $2.2M | 0.96% | 2.99% | 0.00% |
Loan mix (Q2 2026): real estate $140.6M · commercial $23.7M · consumer $4.4M · securities $127.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 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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