| Metric | Increase Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +107.7% | +4.4% | +103.3 pts |
| Deposit growth (YoY) | +111.9% | +4.0% | +107.9 pts |
| Loan growth (YoY) | +35.2% | +5.6% | +29.6 pts |
| ROA | 0.39% | 1.24% | -0.8 pts |
| ROE | 3.1% | 11.9% | -8.7 pts |
ROA ranks in the 10th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.7M | $135.4M | $61.5M | $14.5M | $226K | 0.39% | 3.98% | 0.24% |
| Q1 2026 | $114.6M | $99.5M | $55.4M | $14.4M | $170K | 0.69% | 4.17% | 0.37% |
| Q4 2025 | $81.5M | $64.4M | $52.0M | $14.2M | $653K | 0.88% | 4.51% | 0.52% |
| Q3 2025 | $76.5M | $69.1M | $46.3M | $6.9M | $450K | 0.83% | 4.47% | 0.56% |
| Q2 2025 | $72.5M | $63.9M | $45.5M | $6.5M | $216K | 0.61% | 4.44% | 0.59% |
| Q1 2025 | $70.7M | $62.6M | $44.0M | $6.0M | $97K | 0.55% | 4.44% | 0.83% |
| Q4 2024 | $69.7M | $63.6M | $42.2M | $5.7M | $415K | 0.58% | 4.35% | 1.63% |
| Q3 2024 | $74.0M | $67.3M | $44.7M | $6.1M | $358K | 0.66% | 4.29% | 0.80% |
Loan mix (Q2 2026): real estate $38.7M · commercial $18.1M · consumer $4.8M · securities $18.8M
| Ratio | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.39% | 1.24% | 10th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.8% | 62.9% | 90th |
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 | Increase Bank | 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 | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Increase Bank | 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 | Increase Bank | 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 | Increase Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Spends 1.5× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $135.4M branch deposits. Biggest market: Cowlitz, WA, ranked 7th with 5.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cowlitz, WA | 1 | $135.4M | 5.32% | 7th |
Washington: 89th with 0.04% · Longview-Kelso metro: 7th, 5.32% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1