| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +25.7% | +5.6% | +20.1 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 19.6% | 11.9% | +7.7 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $295.8M | $250.6M | $192.7M | $33.8M | $3.2M | 2.17% | 3.66% | 0.05% |
| Q1 2026 | $295.0M | $260.3M | $182.7M | $33.3M | $1.4M | 1.91% | 3.46% | 0.06% |
| Q4 2025 | $305.9M | $257.4M | $171.2M | $32.3M | $4.8M | 1.66% | 3.25% | 0.02% |
| Q3 2025 | $293.4M | $246.9M | $155.6M | $30.1M | $3.0M | 1.44% | 3.11% | 0.04% |
| Q2 2025 | $293.2M | $247.4M | $153.3M | $29.5M | $1.9M | 1.38% | 3.05% | 0.16% |
| Q1 2025 | $270.4M | $225.7M | $145.3M | $28.2M | $899K | 1.34% | 3.03% | 0.13% |
| Q4 2024 | $266.1M | $223.2M | $137.7M | $26.7M | $3.5M | 1.37% | 2.95% | 0.03% |
| Q3 2024 | $256.5M | $213.4M | $128.3M | $26.4M | $2.7M | 1.42% | 2.92% | 0.07% |
Loan mix (Q2 2026): real estate $137.3M · commercial $24.7M · consumer $4.2M · securities $73.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.4% | 62.9% | 10th |
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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