| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.3% | +4.4% | +10.0 pts |
| Deposit growth (YoY) | +19.1% | +4.0% | +15.1 pts |
| Loan growth (YoY) | +12.3% | +5.6% | +6.7 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.5M | $259.7M | $278.8M | $27.7M | $1.9M | 1.20% | 4.22% | 1.51% |
| Q1 2026 | $329.8M | $265.5M | $282.0M | $26.6M | $748K | 0.93% | 3.82% | 1.35% |
| Q4 2025 | $314.2M | $248.2M | $273.1M | $26.0M | $2.8M | 0.96% | 3.70% | 1.28% |
| Q3 2025 | $315.6M | $248.6M | $265.1M | $25.3M | $2.2M | 1.01% | 3.64% | 1.67% |
| Q2 2025 | $289.0M | $218.1M | $248.3M | $24.5M | $1.5M | 1.05% | 3.65% | 1.68% |
| Q1 2025 | $287.0M | $211.0M | $242.9M | $23.6M | $613K | 0.88% | 3.58% | 1.95% |
| Q4 2024 | $271.2M | $188.2M | $239.0M | $22.9M | $2.8M | 1.07% | 3.73% | 1.33% |
| Q3 2024 | $260.8M | $177.8M | $228.8M | $22.3M | $2.2M | 1.13% | 3.74% | 0.73% |
Loan mix (Q2 2026): real estate $242.6M · commercial $34.6M · consumer $1.7M · securities $15.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33th |
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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