| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.6% | +5.5% | +15.1 pts |
| Deposit growth (YoY) | +21.7% | +5.1% | +16.7 pts |
| Loan growth (YoY) | +8.3% | +5.9% | +2.4 pts |
| ROA | 0.78% | 1.26% | -0.5 pts |
| ROE | 7.0% | 12.2% | -5.2 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.80B | $1.50B | $1.36B | $191.6M | $6.6M | 0.78% | 3.02% | 0.65% |
| Q1 2026 | $1.62B | $1.32B | $1.32B | $189.3M | $4.3M | 1.07% | 3.02% | 1.11% |
| Q4 2025 | $1.61B | $1.32B | $1.34B | $185.0M | $10.6M | 0.71% | 2.90% | 0.85% |
| Q3 2025 | $1.51B | $1.24B | $1.26B | $157.9M | $7.2M | 0.66% | 2.85% | 0.91% |
| Q2 2025 | $1.49B | $1.23B | $1.25B | $154.6M | $4.5M | 0.62% | 2.80% | 0.94% |
| Q1 2025 | $1.44B | $1.18B | $1.22B | $151.8M | $2.3M | 0.65% | 2.78% | 0.00% |
| Q4 2024 | $1.38B | $1.13B | $1.17B | $148.4M | $5.1M | 0.39% | 2.70% | 0.00% |
| Q3 2024 | $1.35B | $1.10B | $1.15B | $146.5M | $2.5M | 0.26% | 2.64% | 0.11% |
Loan mix (Q2 2026): real estate $1.12B · commercial $251.8M · consumer $1.2M · securities $71.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.26% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 12.2% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.02% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 59.0% | 57th |
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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