| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.1 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +3.5% | +5.3% | -1.8 pts |
| ROA | 2.25% | 1.28% | +1.0 pts |
| ROE | 25.2% | 12.4% | +12.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $523.6M | $433.2M | $283.6M | $45.0M | $5.8M | 2.25% | 3.37% | 0.07% |
| Q1 2026 | $519.0M | $427.0M | $283.0M | $46.5M | $2.8M | 2.19% | 3.32% | 0.07% |
| Q4 2025 | $510.0M | $417.7M | $279.0M | $47.0M | $9.2M | 1.84% | 3.06% | 0.00% |
| Q3 2025 | $501.9M | $413.1M | $270.2M | $43.4M | $7.2M | 1.93% | 3.01% | 0.00% |
| Q2 2025 | $499.5M | $415.2M | $273.9M | $38.9M | $4.6M | 1.87% | 2.96% | 0.00% |
| Q1 2025 | $500.1M | $410.1M | $280.5M | $39.6M | $2.2M | 1.78% | 2.88% | 0.00% |
| Q4 2024 | $479.2M | $392.4M | $275.4M | $36.5M | $7.4M | 1.54% | 2.60% | 0.00% |
| Q3 2024 | $486.0M | $389.3M | $273.2M | $40.4M | $5.4M | 1.52% | 2.55% | 0.00% |
Loan mix (Q2 2026): real estate $245.8M · commercial $21.9M · consumer $3.6M · securities $203.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.25% | 1.28% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 25.2% | 12.4% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 34.0% | 61.2% | 2th |
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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