| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.4% | +4.5 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.2 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 13.6% | 11.9% | +1.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $231.4M | $190.7M | $149.8M | $25.7M | $1.7M | 1.44% | 3.78% | 0.82% |
| Q1 2026 | $246.6M | $204.9M | $150.1M | $24.9M | $877K | 1.48% | 3.77% | 0.77% |
| Q4 2025 | $227.9M | $192.4M | $147.3M | $24.2M | $2.5M | 1.16% | 3.67% | 0.85% |
| Q3 2025 | $225.2M | $190.7M | $146.6M | $25.1M | $2.1M | 1.31% | 3.64% | 0.00% |
| Q2 2025 | $212.5M | $179.7M | $140.5M | $23.5M | $1.3M | 1.25% | 3.58% | 0.00% |
| Q1 2025 | $214.3M | $183.3M | $135.4M | $22.6M | $594K | 1.12% | 3.47% | 0.00% |
| Q4 2024 | $208.7M | $169.2M | $130.7M | $21.2M | $1.7M | 0.86% | 3.07% | 0.00% |
| Q3 2024 | $203.5M | $163.5M | $128.5M | $22.9M | $1.1M | 0.75% | 2.95% | 0.00% |
Loan mix (Q2 2026): real estate $115.1M · commercial $36.7M · consumer $259K · securities $55.0M
| Ratio | Gateway Commercial Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 11.9% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 62.9% | 14th |
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 | Gateway Commercial 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 | Gateway Commercial 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 | Gateway Commercial 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 | Gateway Commercial 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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