| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.4% | +6.6 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +24.5% | +5.6% | +19.0 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 16.9% | 11.9% | +5.0 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $453.9M | $415.1M | $353.9M | $36.8M | $3.0M | 1.35% | 3.90% | 0.84% |
| Q1 2026 | $452.9M | $414.9M | $340.2M | $36.0M | $1.5M | 1.31% | 3.82% | 0.89% |
| Q4 2025 | $438.4M | $401.5M | $329.9M | $35.0M | $4.0M | 0.98% | 3.51% | 0.96% |
| Q3 2025 | $430.1M | $394.5M | $301.4M | $33.8M | $3.0M | 0.97% | 3.43% | 0.04% |
| Q2 2025 | $408.9M | $375.4M | $284.2M | $31.9M | $1.7M | 0.88% | 3.31% | 0.04% |
| Q1 2025 | $398.3M | $365.4M | $261.9M | $31.5M | $848K | 0.87% | 3.18% | 0.04% |
| Q4 2024 | $383.9M | $353.3M | $252.7M | $29.6M | $2.2M | 0.56% | 2.77% | 0.10% |
| Q3 2024 | $386.9M | $349.8M | $250.0M | $31.0M | $1.7M | 0.58% | 2.69% | 0.10% |
Loan mix (Q2 2026): real estate $293.5M · commercial $38.5M · consumer $12.1M · securities $67.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 62.9% | 23th |
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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