| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +12.0% | +4.0% | +8.1 pts |
| Loan growth (YoY) | +12.3% | +5.6% | +6.7 pts |
| ROA | 1.70% | 1.24% | +0.5 pts |
| ROE | 25.2% | 11.9% | +13.4 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $429.1M | $393.2M | $295.1M | $28.5M | $3.5M | 1.70% | 3.72% | 0.66% |
| Q1 2026 | $406.5M | $370.6M | $284.2M | $27.5M | $1.7M | 1.66% | 3.65% | 0.72% |
| Q4 2025 | $410.5M | $371.9M | $270.8M | $27.8M | $5.5M | 1.39% | 3.45% | 0.11% |
| Q3 2025 | $400.1M | $358.9M | $267.6M | $26.3M | $4.0M | 1.36% | 3.38% | 0.13% |
| Q2 2025 | $389.5M | $351.0M | $262.8M | $23.1M | $2.5M | 1.27% | 3.29% | 0.12% |
| Q1 2025 | $388.7M | $350.5M | $256.5M | $22.4M | $1.1M | 1.15% | 3.10% | 0.12% |
| Q4 2024 | $389.4M | $349.0M | $256.5M | $21.2M | $3.2M | 0.86% | 2.87% | 0.09% |
| Q3 2024 | $387.3M | $344.2M | $252.8M | $23.3M | $2.3M | 0.84% | 2.81% | 0.14% |
Loan mix (Q2 2026): real estate $229.3M · commercial $36.5M · consumer $12.3M · securities $98.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.70% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 25.2% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.1% | 62.9% | 18th |
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% |
The full ratio pack is part of CharterBench Pro.