| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.9% | +2.8 pts |
| Deposit growth (YoY) | +6.7% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +19.2% | +5.3% | +13.9 pts |
| ROA | 1.06% | 1.28% | -0.2 pts |
| ROE | 12.3% | 12.4% | -0.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $953.4M | $863.2M | $723.8M | $83.8M | $5.0M | 1.06% | 3.81% | 1.25% |
| Q1 2026 | $948.0M | $859.6M | $685.8M | $80.7M | $2.1M | 0.90% | 3.70% | 1.27% |
| Q4 2025 | $911.1M | $825.5M | $664.9M | $79.0M | $7.0M | 0.80% | 3.59% | 1.34% |
| Q3 2025 | $928.6M | $847.7M | $608.4M | $74.2M | $5.2M | 0.79% | 3.57% | 1.37% |
| Q2 2025 | $885.3M | $809.3M | $607.1M | $69.6M | $2.7M | 0.62% | 3.56% | 0.91% |
| Q1 2025 | $864.5M | $789.6M | $607.6M | $68.2M | $1.8M | 0.86% | 3.51% | 0.74% |
| Q4 2024 | $832.2M | $751.8M | $590.6M | $63.9M | $5.4M | 0.67% | 3.31% | 0.79% |
| Q3 2024 | $839.2M | $749.5M | $582.1M | $64.7M | $3.7M | 0.62% | 3.23% | 0.77% |
Loan mix (Q2 2026): real estate $630.8M · commercial $98.9M · consumer $2.9M · securities $136.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.28% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.9% | 61.2% | 52th |
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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