| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.9% | +4.9% | +8.0 pts |
| Deposit growth (YoY) | +14.6% | +4.3% | +10.2 pts |
| Loan growth (YoY) | +8.4% | +5.3% | +3.1 pts |
| ROA | 1.52% | 1.28% | +0.2 pts |
| ROE | 22.1% | 12.4% | +9.7 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $525.1M | $463.6M | $291.9M | $34.9M | $3.9M | 1.52% | 3.38% | 0.72% |
| Q1 2026 | $516.6M | $470.7M | $284.5M | $33.5M | $1.9M | 1.52% | 3.33% | 0.66% |
| Q4 2025 | $502.1M | $451.9M | $280.3M | $37.7M | $6.4M | 1.40% | 3.34% | 0.67% |
| Q3 2025 | $486.6M | $427.9M | $275.2M | $36.5M | $5.3M | 1.58% | 3.35% | 0.74% |
| Q2 2025 | $465.1M | $404.7M | $269.2M | $26.5M | $3.1M | 1.43% | 3.25% | 0.64% |
| Q1 2025 | $430.0M | $377.1M | $257.7M | $27.7M | $1.4M | 1.37% | 3.21% | 0.71% |
| Q4 2024 | $412.2M | $362.5M | $247.8M | $21.6M | $4.4M | 1.17% | 3.18% | 0.85% |
| Q3 2024 | $408.3M | $353.8M | $237.3M | $25.1M | $3.2M | 1.16% | 3.17% | 1.17% |
Loan mix (Q2 2026): real estate $258.1M · commercial $20.3M · consumer $7.5M · securities $198.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.28% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 12.4% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 61.2% | 26th |
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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