| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +4.9% | +8.5 pts |
| Deposit growth (YoY) | +12.8% | +4.3% | +8.5 pts |
| Loan growth (YoY) | +16.9% | +5.3% | +11.5 pts |
| ROA | 1.13% | 1.28% | -0.1 pts |
| ROE | 15.1% | 12.4% | +2.6 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $820.5M | $751.5M | $509.1M | $61.8M | $4.6M | 1.13% | 3.46% | 0.06% |
| Q1 2026 | $825.4M | $757.1M | $494.3M | $60.6M | $2.3M | 1.15% | 3.47% | 0.03% |
| Q4 2025 | $772.2M | $706.3M | $475.9M | $58.9M | $8.4M | 1.14% | 3.40% | 0.05% |
| Q3 2025 | $747.6M | $683.0M | $455.1M | $56.4M | $6.1M | 1.11% | 3.37% | 0.04% |
| Q2 2025 | $723.5M | $666.0M | $435.7M | $49.4M | $3.9M | 1.07% | 3.26% | 0.08% |
| Q1 2025 | $732.9M | $675.5M | $422.1M | $48.5M | $1.7M | 0.94% | 3.13% | 0.01% |
| Q4 2024 | $710.1M | $647.9M | $411.1M | $43.9M | $6.2M | 0.89% | 2.96% | 0.01% |
| Q3 2024 | $716.5M | $649.2M | $396.8M | $49.0M | $4.1M | 0.78% | 2.88% | 0.03% |
Loan mix (Q2 2026): real estate $438.2M · commercial $51.6M · consumer $17.1M · securities $208.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.28% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 12.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.5% | 61.2% | 36th |
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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