| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.9% | +0.0 pts |
| Deposit growth (YoY) | +6.0% | +4.3% | +1.7 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.4 pts |
| ROA | 1.49% | 1.28% | +0.2 pts |
| ROE | 14.4% | 12.4% | +2.0 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $653.9M | $570.2M | $420.3M | $66.3M | $4.8M | 1.49% | 3.86% | 0.19% |
| Q1 2026 | $631.4M | $542.9M | $419.8M | $66.4M | $2.2M | 1.37% | 3.79% | 0.23% |
| Q4 2025 | $631.1M | $542.9M | $414.2M | $65.6M | $7.6M | 1.21% | 3.72% | 0.20% |
| Q3 2025 | $625.6M | $527.7M | $400.7M | $62.8M | $5.2M | 1.09% | 3.49% | 0.49% |
| Q2 2025 | $623.1M | $537.8M | $397.3M | $58.5M | $3.3M | 1.04% | 3.46% | 0.49% |
| Q1 2025 | $636.8M | $558.9M | $397.0M | $55.1M | $1.7M | 1.05% | 3.37% | 0.63% |
| Q4 2024 | $634.6M | $559.3M | $398.6M | $51.4M | $4.8M | 0.75% | 3.09% | 0.50% |
| Q3 2024 | $634.2M | $542.7M | $399.6M | $54.8M | $3.6M | 0.75% | 3.06% | 0.60% |
Loan mix (Q2 2026): real estate $285.3M · commercial $24.0M · consumer $2.8M · securities $200.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 1.28% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 12.4% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.86% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 61.2% | 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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