| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.4% | +4.9% | +9.5 pts |
| Deposit growth (YoY) | +12.9% | +4.3% | +8.6 pts |
| Loan growth (YoY) | +18.5% | +5.3% | +13.1 pts |
| ROA | 1.93% | 1.28% | +0.7 pts |
| ROE | 22.6% | 12.4% | +10.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $850.1M | $760.1M | $700.1M | $75.4M | $8.0M | 1.93% | 4.10% | 0.11% |
| Q1 2026 | $841.4M | $757.4M | $681.4M | $70.1M | $3.8M | 1.85% | 4.01% | 0.30% |
| Q4 2025 | $803.1M | $717.4M | $649.3M | $67.3M | $9.6M | 1.27% | 3.73% | 0.26% |
| Q3 2025 | $773.1M | $684.8M | $631.0M | $69.2M | $8.0M | 1.43% | 3.66% | 0.13% |
| Q2 2025 | $742.8M | $673.4M | $591.0M | $65.5M | $5.2M | 1.43% | 3.54% | 0.08% |
| Q1 2025 | $740.3M | $674.1M | $569.5M | $62.6M | $2.4M | 1.35% | 3.41% | 0.10% |
| Q4 2024 | $705.4M | $642.7M | $551.4M | $59.5M | $8.6M | 1.25% | 3.30% | 0.13% |
| Q3 2024 | $700.3M | $633.2M | $542.1M | $63.1M | $6.3M | 1.22% | 3.24% | 0.10% |
Loan mix (Q2 2026): real estate $588.1M · commercial $54.1M · consumer $17.5M · securities $65.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.28% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 61.2% | 20th |
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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