| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.3% | +4.4% | +12.0 pts |
| Deposit growth (YoY) | +17.4% | +4.0% | +13.4 pts |
| Loan growth (YoY) | +12.9% | +5.6% | +7.3 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $352.1M | $300.9M | $250.7M | $27.6M | $2.1M | 1.24% | 3.59% | 0.07% |
| Q1 2026 | $325.3M | $270.9M | $244.6M | $26.5M | $988K | 1.21% | 3.64% | 0.08% |
| Q4 2025 | $330.6M | $279.4M | $243.4M | $26.4M | $3.0M | 1.02% | 3.38% | 0.07% |
| Q3 2025 | $313.6M | $265.1M | $229.5M | $25.6M | $2.0M | 0.93% | 3.29% | 0.10% |
| Q2 2025 | $302.7M | $256.4M | $222.1M | $23.1M | $1.2M | 0.87% | 3.23% | 0.05% |
| Q1 2025 | $279.5M | $233.0M | $214.9M | $21.8M | $615K | 0.90% | 3.21% | 0.06% |
| Q4 2024 | $269.4M | $223.7M | $209.4M | $21.2M | $1.9M | 0.75% | 3.01% | 0.03% |
| Q3 2024 | $258.6M | $208.0M | $199.2M | $21.2M | $1.5M | 0.76% | 2.96% | 0.03% |
Loan mix (Q2 2026): real estate $177.7M · commercial $31.0M · consumer $2.5M · securities $65.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.6% | 62.9% | 21th |
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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