| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.9% | +7.5 pts |
| Deposit growth (YoY) | +15.4% | +4.3% | +11.1 pts |
| Loan growth (YoY) | +8.3% | +5.3% | +3.0 pts |
| ROA | 1.01% | 1.28% | -0.3 pts |
| ROE | 7.8% | 12.4% | -4.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $562.9M | $482.1M | $441.9M | $72.5M | $2.8M | 1.01% | 3.75% | 0.15% |
| Q1 2026 | $558.4M | $477.1M | $442.5M | $70.9M | $1.0M | 0.76% | 3.60% | 0.35% |
| Q4 2025 | $535.7M | $456.6M | $424.7M | $69.6M | $4.8M | 0.95% | 3.76% | 0.07% |
| Q3 2025 | $510.0M | $424.7M | $416.8M | $67.8M | $3.4M | 0.90% | 3.73% | 0.11% |
| Q2 2025 | $500.9M | $417.6M | $407.8M | $66.1M | $2.2M | 0.89% | 3.70% | 0.14% |
| Q1 2025 | $508.5M | $433.7M | $396.8M | $64.4M | $972K | 0.78% | 3.63% | 0.28% |
| Q4 2024 | $484.1M | $411.8M | $399.0M | $62.1M | $4.2M | 0.89% | 3.50% | 0.85% |
| Q3 2024 | $482.0M | $409.1M | $393.2M | $62.2M | $3.1M | 0.88% | 3.48% | 0.14% |
Loan mix (Q2 2026): real estate $365.2M · commercial $42.8M · consumer $8.7M · securities $63.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.28% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.9% | 61.2% | 64th |
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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