| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.2% | +5.5% | +36.8 pts |
| Deposit growth (YoY) | +43.5% | +5.1% | +38.5 pts |
| Loan growth (YoY) | +51.4% | +5.9% | +45.5 pts |
| ROA | 0.70% | 1.26% | -0.6 pts |
| ROE | 8.2% | 12.2% | -4.0 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.32B | $1.21B | $901.1M | $105.7M | $4.2M | 0.70% | 3.01% | 1.89% |
| Q1 2026 | $1.18B | $1.06B | $771.4M | $101.0M | $1.5M | 0.52% | 2.78% | 1.94% |
| Q4 2025 | $1.09B | $978.5M | $610.2M | $101.8M | $-2.6M | -0.26% | 2.30% | 2.24% |
| Q3 2025 | $951.6M | $847.5M | $599.9M | $98.7M | $-3.8M | -0.53% | 2.21% | 2.73% |
| Q2 2025 | $930.2M | $842.5M | $595.1M | $81.7M | $-4.3M | -0.89% | 2.09% | 2.88% |
| Q1 2025 | $956.6M | $872.0M | $688.3M | $78.4M | $-1.8M | -0.75% | 2.04% | 3.38% |
| Q4 2024 | $1.01B | $968.5M | $715.9M | $34.3M | $-37.7M | -3.63% | 2.40% | 2.84% |
| Q3 2024 | $973.8M | $828.1M | $754.3M | $45.9M | $-28.7M | -3.66% | 2.45% | 4.45% |
Loan mix (Q2 2026): real estate $688.4M · commercial $212.8M · consumer $8.3M · securities $240.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.70% | 1.26% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.2% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 59.0% | 97th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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% |
The full ratio pack is part of CharterBench Pro.
8 branches in 4 counties across 2 states (+0 vs 2024) · $842.5M branch deposits. Biggest market: Western Connecticut, CT, ranked 14th with 2.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 5 | $707.8M | 2.05% | 14th |
| South Central Connecticut, CT | 1 | $57.0M | 0.27% | 26th |
| Greater Bridgeport, CT | 1 | $41.0M | 0.30% | 19th |
| 1 more county with Pro → | ||||
Connecticut: 30th with 0.53% · New York: 310th with 0.00% · Bridgeport-Stamford-Danbury metro: 13th, 1.56% · New Haven metro: 26th, 0.27% ·
Branch count: 2022 9 · 2023 9 · 2024 8 · 2025 8