| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -21.1% | +5.5% | -26.6 pts |
| Deposit growth (YoY) | +45.7% | +5.1% | +40.6 pts |
| Loan growth (YoY) | +56.9% | +5.9% | +51.0 pts |
| ROA | 0.00% | 1.26% | -1.3 pts |
| ROE | 0.0% | 12.2% | -12.2 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.39B | $4.82B | $3.81B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $6.84B | $4.38B | $3.52B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $8.66B | $4.04B | $2.78B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $9.94B | $3.67B | $2.64B | — | — | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $9.37B | $3.31B | $2.43B | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $8.43B | $2.80B | $2.08B | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $8.73B | $2.73B | $1.91B | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $8.25B | $2.22B | $1.80B | — | — | 0.00% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $446.5M · commercial $3.38B · consumer — · securities $704.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 12.2% | — |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.70% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% |
Peer lists, growth filters, CSV export, CRM push.
| 59.0% |
0th |
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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