| Metric | Flatwater Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.5% | +4.4% | +10.1 pts |
| Deposit growth (YoY) | +21.0% | +4.0% | +17.0 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $367.7M | $320.8M | $271.8M | $29.7M | $2.2M | 1.27% | 3.55% | 1.32% |
| Q1 2026 | $346.6M | $310.9M | $252.9M | $29.1M | $902K | 1.05% | 3.29% | 1.76% |
| Q4 2025 | $341.8M | $295.0M | $257.0M | $29.2M | $4.8M | 1.49% | 3.83% | 1.14% |
| Q3 2025 | $333.9M | $278.2M | $258.4M | $29.0M | $4.2M | 1.79% | 3.84% | 0.03% |
| Q2 2025 | $321.1M | $265.2M | $245.2M | $27.4M | $2.8M | 1.82% | 3.76% | 0.04% |
| Q1 2025 | $299.7M | $270.5M | $224.2M | $25.9M | $1.3M | 1.71% | 3.62% | 0.28% |
| Q4 2024 | $304.1M | $263.7M | $227.6M | $24.0M | $4.1M | 1.38% | 3.39% | 0.11% |
| Q3 2024 | $306.6M | $264.0M | $227.0M | $26.3M | $3.9M | 1.75% | 3.32% | 0.06% |
Loan mix (Q2 2026): real estate $106.5M · commercial $33.0M · consumer $6.7M · securities $57.3M
| Ratio | Flatwater Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 62.9% | 35th |
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 | Flatwater Bank | 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 | Flatwater Bank | 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 | Flatwater Bank | 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 | Flatwater Bank | 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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