| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.4% | +4.4% | +8.0 pts |
| Deposit growth (YoY) | +20.1% | +4.0% | +16.2 pts |
| Loan growth (YoY) | +10.2% | +5.6% | +4.6 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 23.1% | 11.9% | +11.2 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $246.1M | $210.1M | $161.5M | $18.9M | $2.2M | 1.85% | 4.10% | 0.32% |
| Q1 2026 | $234.8M | $189.5M | $158.8M | $18.4M | $1.0M | 1.78% | 4.03% | 0.36% |
| Q4 2025 | $222.9M | $177.6M | $159.0M | $19.0M | $3.6M | 1.66% | 4.11% | 0.32% |
| Q3 2025 | $223.9M | $177.6M | $151.4M | $17.7M | $2.8M | 1.73% | 4.09% | 0.29% |
| Q2 2025 | $219.0M | $175.0M | $146.5M | $16.6M | $1.7M | 1.65% | 4.03% | 0.38% |
| Q1 2025 | $211.3M | $173.6M | $137.0M | $15.8M | $731K | 1.43% | 3.88% | 0.30% |
| Q4 2024 | $198.2M | $163.5M | $135.3M | $15.6M | $2.8M | 1.50% | 4.00% | 0.34% |
| Q3 2024 | $191.0M | $161.4M | $130.6M | $15.9M | $2.1M | 1.55% | 4.02% | 0.30% |
Loan mix (Q2 2026): real estate $139.1M · commercial $7.3M · consumer $7.4M · securities $42.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 23.1% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 62.9% | 30th |
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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