| Metric | Locality Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +29.5% | +4.4% | +25.2 pts |
| Deposit growth (YoY) | +38.6% | +4.0% | +34.7 pts |
| Loan growth (YoY) | +34.9% | +5.6% | +29.3 pts |
| ROA | 0.29% | 1.24% | -0.9 pts |
| ROE | 2.2% | 11.9% | -9.6 pts |
ROA ranks in the 8th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $396.2M | $346.0M | $308.5M | $48.6M | $541K | 0.29% | 3.93% | 1.23% |
| Q1 2026 | $358.0M | $294.1M | $287.2M | $48.1M | $84K | 0.10% | 3.94% | 1.42% |
| Q4 2025 | $347.3M | $296.9M | $269.0M | $48.1M | $546K | 0.17% | 3.77% | 0.85% |
| Q3 2025 | $364.7M | $311.4M | $249.5M | $46.8M | $-604K | -0.26% | 3.65% | 0.77% |
| Q2 2025 | $305.9M | $249.6M | $228.6M | $46.9M | $-315K | -0.21% | 3.63% | 0.84% |
| Q1 2025 | $303.2M | $255.4M | $231.9M | $46.6M | $-497K | -0.68% | 3.40% | 0.87% |
| Q4 2024 | $281.2M | $243.0M | $205.5M | $32.0M | $-202K | -0.09% | 3.44% | 0.40% |
| Q3 2024 | $255.8M | $224.4M | $194.7M | $30.2M | $-2.3M | -1.42% | 3.43% | 0.57% |
Loan mix (Q2 2026): real estate $291.8M · commercial $22.6M · consumer $0 · securities $14.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Locality Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.29% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.8% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
| — |
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 | Locality 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 | Locality 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 | Locality 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 | Locality Bank | 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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