| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +24.4% | +4.4% | +20.0 pts |
| Deposit growth (YoY) | +29.0% | +4.0% | +25.1 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 4.8% | 11.9% | -7.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.7M | $306.6M | $229.8M | $38.6M | $924K | 0.55% | 3.53% | 0.48% |
| Q1 2026 | $335.8M | $290.5M | $221.9M | $38.2M | $455K | 0.55% | 3.56% | 0.52% |
| Q4 2025 | $320.5M | $266.6M | $220.8M | $37.7M | $2.0M | 0.70% | 4.35% | 0.25% |
| Q3 2025 | $303.2M | $258.8M | $220.4M | $37.8M | $1.6M | 0.77% | 4.53% | 0.26% |
| Q2 2025 | $286.0M | $237.6M | $221.1M | $37.1M | $978K | 0.72% | 4.49% | 0.77% |
| Q1 2025 | $267.8M | $225.2M | $217.3M | $36.6M | $421K | 0.63% | 4.49% | 0.99% |
| Q4 2024 | $266.5M | $217.5M | $212.7M | $36.1M | $2.2M | 0.82% | 4.39% | 0.97% |
| Q3 2024 | $266.6M | $224.8M | $214.4M | $35.9M | $1.6M | 0.80% | 4.45% | 1.18% |
Loan mix (Q2 2026): real estate $231.6M · commercial $974K · consumer $1.5M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 4.8% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.4% | 62.9% | 86th |
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% |
The full ratio pack is part of CharterBench Pro.