| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.9% | +2.1 pts |
| Deposit growth (YoY) | +3.0% | +4.3% | -1.3 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.6 pts |
| ROA | 1.57% | 1.28% | +0.3 pts |
| ROE | 12.0% | 12.4% | -0.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $803.6M | $650.7M | $683.2M | $107.4M | $6.3M | 1.57% | 4.03% | 0.93% |
| Q1 2026 | $802.6M | $659.8M | $682.4M | $105.0M | $3.2M | 1.60% | 3.96% | 0.70% |
| Q4 2025 | $801.3M | $641.6M | $692.5M | $102.6M | $10.7M | 1.39% | 3.86% | 0.48% |
| Q3 2025 | $777.2M | $659.2M | $655.4M | $100.3M | $7.7M | 1.34% | 3.81% | 0.37% |
| Q2 2025 | $750.8M | $631.7M | $632.7M | $97.8M | $4.9M | 1.29% | 3.76% | 0.26% |
| Q1 2025 | $766.2M | $648.9M | $633.8M | $95.9M | $2.3M | 1.23% | 3.73% | 0.27% |
| Q4 2024 | $754.0M | $606.3M | $646.2M | $94.2M | $10.1M | 1.32% | 3.60% | 0.29% |
| Q3 2024 | $734.8M | $609.5M | $627.9M | $92.1M | $6.9M | 1.20% | 3.53% | 1.23% |
Loan mix (Q2 2026): real estate $571.6M · commercial $103.9M · consumer $3.1M · securities $8.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.28% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.4% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 61.2% | 22th |
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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