| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +15.7% | +5.6% | +10.1 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 15.7% | 11.9% | +3.9 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $456.1M | $407.2M | $309.2M | $45.3M | $3.4M | 1.53% | 5.09% | 0.26% |
| Q1 2026 | $456.1M | $409.1M | $297.8M | $43.1M | $1.6M | 1.43% | 4.95% | 0.18% |
| Q4 2025 | $437.0M | $391.3M | $289.5M | $42.6M | $6.1M | 1.42% | 4.94% | 0.26% |
| Q3 2025 | $433.5M | $388.0M | $274.9M | $41.8M | $4.5M | 1.40% | 4.88% | 0.15% |
| Q2 2025 | $432.7M | $390.8M | $267.3M | $38.8M | $2.9M | 1.36% | 4.81% | 0.18% |
| Q1 2025 | $428.3M | $386.6M | $252.0M | $38.2M | $1.4M | 1.29% | 4.70% | 0.21% |
| Q4 2024 | $411.1M | $370.7M | $248.3M | $37.7M | $5.5M | 1.42% | 4.84% | 0.16% |
| Q3 2024 | $403.7M | $361.4M | $238.4M | $39.3M | $4.3M | 1.49% | 4.82% | 0.20% |
Loan mix (Q2 2026): real estate $280.0M · commercial $15.1M · consumer $17.3M · securities $93.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 62.9% | 51th |
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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