| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +15.3% | +5.6% | +9.8 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 19.1% | 11.9% | +7.3 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $248.9M | $220.8M | $175.2M | $19.2M | $1.8M | 1.48% | 4.36% | 1.10% |
| Q1 2026 | $242.7M | $215.1M | $171.2M | $19.0M | $733K | 1.22% | 4.30% | 1.46% |
| Q4 2025 | $239.2M | $212.0M | $159.8M | $18.4M | $3.1M | 1.31% | 4.08% | 0.76% |
| Q3 2025 | $240.1M | $213.7M | $154.6M | $17.8M | $2.3M | 1.31% | 3.99% | 1.07% |
| Q2 2025 | $237.0M | $211.6M | $151.9M | $17.0M | $1.6M | 1.39% | 3.95% | 0.90% |
| Q1 2025 | $238.0M | $213.3M | $145.8M | $16.3M | $682K | 1.16% | 3.85% | 1.22% |
| Q4 2024 | $232.7M | $208.0M | $151.6M | $16.0M | $4.1M | 1.80% | 4.31% | 0.56% |
| Q3 2024 | $238.6M | $213.6M | $147.7M | $16.8M | $3.2M | 1.90% | 4.39% | 0.60% |
Loan mix (Q2 2026): real estate $127.0M · commercial $28.7M · consumer $1.6M · securities $36.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.36% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.7% | 62.9% | 47th |
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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