| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +83.7% | +5.5% | +78.2 pts |
| Deposit growth (YoY) | +91.9% | +5.1% | +86.8 pts |
| Loan growth (YoY) | +87.2% | +5.9% | +81.3 pts |
| ROA | 4.40% | 1.26% | +3.1 pts |
| ROE | 50.5% | 12.2% | +38.3 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.47B | $2.22B | $2.00B | $205.0M | $46.7M | 4.40% | 4.51% | 6.10% |
| Q1 2026 | $2.16B | $1.94B | $1.64B | $182.5M | $20.2M | 4.15% | 4.41% | 4.56% |
| Q4 2025 | $1.73B | $1.51B | $1.37B | $167.4M | $41.3M | 2.93% | 5.21% | 5.07% |
| Q3 2025 | $1.50B | $1.28B | $1.22B | $163.2M | $30.9M | 3.10% | 5.23% | 5.20% |
| Q2 2025 | $1.35B | $1.16B | $1.07B | $149.9M | $18.3M | 2.88% | 5.17% | 4.04% |
| Q1 2025 | $1.25B | $1.07B | $897.4M | $135.7M | $6.0M | 1.96% | 5.01% | 3.69% |
| Q4 2024 | $1.21B | $1.04B | $743.3M | $129.7M | $52.0M | 6.01% | 5.25% | 2.06% |
| Q3 2024 | $914.3M | $745.7M | $633.4M | $120.5M | $35.2M | 6.04% | 5.55% | 2.22% |
Loan mix (Q2 2026): real estate $1.26B · commercial $789.1M · consumer $0 · securities $15.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.40% | 1.26% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 50.5% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.7% | 59.0% | 7th |
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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