| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +56.3% | +4.9% | +51.4 pts |
| Deposit growth (YoY) | +79.3% | +4.3% | +74.9 pts |
| Loan growth (YoY) | +41.3% | +5.3% | +36.0 pts |
| ROA | 1.75% | 1.28% | +0.5 pts |
| ROE | 13.3% | 12.4% | +0.8 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $768.3M | $649.6M | $521.9M | $92.9M | $5.1M | 1.75% | 4.12% | 1.23% |
| Q1 2026 | $490.0M | $400.0M | $380.9M | $69.2M | $1.1M | 0.93% | 4.04% | 1.29% |
| Q4 2025 | $491.6M | $358.3M | $392.1M | $68.4M | $9.3M | 1.90% | 3.84% | 1.27% |
| Q3 2025 | $478.5M | $344.1M | $386.0M | $66.2M | $7.4M | 2.02% | 3.84% | 1.03% |
| Q2 2025 | $491.5M | $362.3M | $369.3M | $64.1M | $5.7M | 2.30% | 3.79% | 0.08% |
| Q1 2025 | $489.6M | $381.7M | $363.1M | $61.6M | $3.4M | 2.76% | 3.72% | 0.22% |
| Q4 2024 | $501.6M | $356.3M | $375.7M | $57.7M | $7.8M | 1.67% | 3.48% | 0.07% |
| Q3 2024 | $467.5M | $352.6M | $365.1M | $55.9M | $5.2M | 1.50% | 3.50% | 0.05% |
Loan mix (Q2 2026): real estate $401.9M · commercial $49.7M · consumer $47.1M · securities $130.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 61.2% | 63th |
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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