| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.9% | +7.0 pts |
| Deposit growth (YoY) | +11.0% | +4.3% | +6.7 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.1 pts |
| ROA | 3.02% | 1.28% | +1.7 pts |
| ROE | 15.1% | 12.4% | +2.7 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $503.4M | $389.3M | $301.5M | $101.6M | $7.5M | 3.02% | 3.57% | 0.64% |
| Q1 2026 | $495.7M | $389.0M | $299.3M | $97.9M | $1.3M | 1.08% | 3.49% | 0.53% |
| Q4 2025 | $481.5M | $373.3M | $300.3M | $97.2M | $6.9M | 1.52% | 3.49% | 0.75% |
| Q3 2025 | $458.4M | $356.9M | $295.4M | $94.2M | $5.0M | 1.50% | 3.49% | 0.87% |
| Q2 2025 | $449.8M | $350.6M | $289.2M | $90.5M | $2.2M | 0.99% | 3.48% | 0.85% |
| Q1 2025 | $442.0M | $347.0M | $289.0M | $89.2M | $-571K | -0.52% | 3.45% | 0.70% |
| Q4 2024 | $435.7M | $332.7M | $287.6M | $88.8M | $5.6M | 1.30% | 3.38% | 0.81% |
| Q3 2024 | $430.9M | $327.6M | $283.4M | $88.9M | $4.0M | 1.24% | 3.37% | 0.90% |
Loan mix (Q2 2026): real estate $278.3M · commercial $5.9M · consumer $20.4M · securities $160.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.02% | 1.28% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.1% | 61.2% | 59th |
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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