| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.9% | -0.7 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.0 pts |
| Loan growth (YoY) | +18.7% | +5.3% | +13.3 pts |
| ROA | 1.91% | 1.28% | +0.6 pts |
| ROE | 33.2% | 12.4% | +20.8 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $506.0M | $393.7M | $234.6M | $31.9M | $4.8M | 1.91% | 3.62% | 0.82% |
| Q1 2026 | $526.1M | $413.2M | $224.0M | $27.1M | $2.4M | 1.90% | 3.56% | 0.79% |
| Q4 2025 | $486.0M | $372.5M | $218.6M | $28.3M | $8.6M | 1.78% | 3.45% | 1.13% |
| Q3 2025 | $496.9M | $386.8M | $209.1M | $24.8M | $6.6M | 1.83% | 3.44% | 1.10% |
| Q2 2025 | $485.8M | $384.7M | $197.7M | $16.2M | $4.3M | 1.81% | 3.42% | 0.89% |
| Q1 2025 | $491.6M | $382.5M | $188.4M | $18.9M | $2.1M | 1.72% | 3.28% | 0.92% |
| Q4 2024 | $466.7M | $360.2M | $184.4M | $16.5M | $10.1M | 2.12% | 3.72% | 0.85% |
| Q3 2024 | $461.8M | $331.4M | $183.6M | $24.3M | $7.9M | 2.20% | 3.80% | 0.77% |
Loan mix (Q2 2026): real estate $216.8M · commercial $20.2M · consumer $1.1M · securities $232.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 33.2% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 61.2% | 19th |
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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