| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.9% | +4.9% | +11.0 pts |
| Deposit growth (YoY) | +14.2% | +4.3% | +9.9 pts |
| Loan growth (YoY) | +23.0% | +5.3% | +17.7 pts |
| ROA | 2.06% | 1.28% | +0.8 pts |
| ROE | 23.3% | 12.4% | +10.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $662.3M | $569.1M | $442.9M | $57.3M | $6.6M | 2.06% | 4.23% | 0.24% |
| Q1 2026 | $632.3M | $544.8M | $416.0M | $56.8M | $3.6M | 2.31% | 4.15% | 0.26% |
| Q4 2025 | $630.2M | $545.6M | $417.0M | $55.8M | $9.5M | 1.63% | 4.21% | 1.56% |
| Q3 2025 | $605.4M | $531.3M | $394.4M | $53.9M | $6.8M | 1.58% | 4.19% | 2.09% |
| Q2 2025 | $571.2M | $498.2M | $360.0M | $52.3M | $4.8M | 1.73% | 4.13% | 2.27% |
| Q1 2025 | $561.1M | $491.0M | $352.8M | $49.1M | $1.1M | 0.78% | 4.07% | 2.42% |
| Q4 2024 | $541.3M | $473.8M | $344.1M | $47.9M | $8.8M | 1.69% | 4.29% | 2.44% |
| Q3 2024 | $536.4M | $464.9M | $333.8M | $50.1M | $6.0M | 1.56% | 4.21% | 2.63% |
Loan mix (Q2 2026): real estate $290.5M · commercial $86.9M · consumer $50.2M · securities $161.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 1.28% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 12.4% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 61.2% | 23th |
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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