| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +11.0% | +5.6% | +5.4 pts |
| ROA | 1.18% | 1.24% | -0.1 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $424.0M | $376.9M | $324.6M | $37.4M | $2.5M | 1.18% | 3.92% | 2.23% |
| Q1 2026 | $420.6M | $375.1M | $321.4M | $36.5M | $1.2M | 1.13% | 3.84% | 2.76% |
| Q4 2025 | $425.9M | $381.4M | $316.0M | $35.5M | $5.0M | 1.27% | 4.03% | 1.72% |
| Q3 2025 | $411.4M | $367.3M | $302.9M | $34.6M | $3.9M | 1.35% | 4.06% | 0.16% |
| Q2 2025 | $391.7M | $343.4M | $292.5M | $33.1M | $2.6M | 1.39% | 4.03% | 0.16% |
| Q1 2025 | $375.9M | $334.5M | $284.6M | $30.9M | $1.1M | 1.22% | 3.84% | 0.19% |
| Q4 2024 | $363.2M | $318.4M | $276.7M | $29.7M | $3.7M | 1.08% | 3.74% | 0.14% |
| Q3 2024 | $361.2M | $322.8M | $266.1M | $27.7M | $2.5M | 1.01% | 3.68% | 0.12% |
Loan mix (Q2 2026): real estate $296.7M · commercial $11.8M · consumer $6.5M · securities $47.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.3% | 62.9% | 45th |
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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