| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.9% | +2.5 pts |
| Deposit growth (YoY) | +7.8% | +4.3% | +3.4 pts |
| Loan growth (YoY) | +6.5% | +5.3% | +1.1 pts |
| ROA | 1.44% | 1.28% | +0.2 pts |
| ROE | 15.8% | 12.4% | +3.3 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $657.8M | $572.5M | $555.2M | $60.5M | $4.7M | 1.44% | 4.13% | 1.59% |
| Q1 2026 | $643.2M | $561.2M | $552.1M | $58.1M | $2.2M | 1.34% | 4.02% | 1.58% |
| Q4 2025 | $638.2M | $555.6M | $552.0M | $58.6M | $6.7M | 1.10% | 3.85% | 1.19% |
| Q3 2025 | $624.9M | $542.3M | $538.3M | $55.6M | $5.0M | 1.12% | 3.77% | 1.38% |
| Q2 2025 | $612.3M | $531.3M | $521.4M | $55.1M | $3.2M | 1.09% | 3.69% | 1.27% |
| Q1 2025 | $594.5M | $514.5M | $513.9M | $54.8M | $1.5M | 1.01% | 3.56% | 1.72% |
| Q4 2024 | $578.9M | $506.4M | $505.4M | $53.0M | $5.5M | 1.00% | 3.49% | 2.13% |
| Q3 2024 | $564.9M | $491.4M | $496.8M | $51.8M | $4.1M | 1.01% | 3.50% | 1.57% |
Loan mix (Q2 2026): real estate $440.1M · commercial $71.1M · consumer $41.0M · securities $22.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.28% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.4% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 61.2% | 52th |
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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