| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.9% | +0.2 pts |
| Deposit growth (YoY) | 0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | — | +5.3% | — |
| ROA | 38.88% | 1.28% | +37.6 pts |
| ROE | 61.5% | 12.4% | +49.1 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $557.7M | $50.5M | $0 | $375.2M | $100.1M | 38.88% | 3.72% | 0.00% |
| Q1 2026 | $521.3M | $50.5M | $0 | $323.4M | $47.8M | 38.76% | 3.72% | 0.00% |
| Q4 2025 | $465.3M | $50.5M | $0 | $276.8M | $172.7M | 34.28% | 4.06% | 0.00% |
| Q3 2025 | $587.5M | $50.5M | $0 | $404.5M | $129.0M | 33.51% | 3.87% | 0.00% |
| Q2 2025 | $530.5M | $50.5M | $0 | $357.0M | $84.1M | 34.43% | 3.83% | 0.00% |
| Q1 2025 | $494.5M | $50.5M | $0 | $313.0M | $40.8M | 34.91% | 3.95% | 0.00% |
| Q4 2024 | $440.3M | $50.5M | $0 | $268.1M | $163.9M | 35.11% | 4.38% | 0.00% |
| Q3 2024 | $551.6M | $50.5M | $0 | $385.4M | $124.0M | 34.91% | 4.15% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $523.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 38.88% | 1.28% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 61.5% | 12.4% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 90.9% | 61.2% | 96th |
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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