| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +86.2% | +5.5% | +80.7 pts |
| Deposit growth (YoY) | +94.1% | +5.1% | +89.1 pts |
| Loan growth (YoY) | +76.3% | +5.9% | +70.3 pts |
| ROA | -0.49% | 1.26% | -1.7 pts |
| ROE | -5.5% | 12.2% | -17.7 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.37B | $2.11B | $1.13B | $212.2M | $-4.9M | -0.49% | 1.80% | 0.06% |
| Q1 2026 | $2.03B | $1.81B | $918.9M | $175.2M | $-2.1M | -0.47% | 1.84% | 0.02% |
| Q4 2025 | $1.61B | $1.39B | $841.2M | $144.3M | $-10.4M | -0.80% | 2.13% | 0.05% |
| Q3 2025 | $1.33B | $1.15B | $678.2M | $129.7M | $-4.9M | -0.53% | 2.19% | 0.01% |
| Q2 2025 | $1.27B | $1.09B | $638.8M | $112.9M | $-3.6M | -0.61% | 2.13% | 0.00% |
| Q1 2025 | $1.21B | $983.0M | $573.0M | $114.9M | $-2.3M | -0.82% | 2.04% | 0.02% |
| Q4 2024 | $1.06B | $933.8M | $532.0M | $82.1M | $-8.7M | -1.23% | 2.15% | 0.04% |
| Q3 2024 | $682.6M | $540.0M | $466.3M | $55.8M | $-7.6M | -1.65% | 2.24% | 0.48% |
Loan mix (Q2 2026): real estate $824.8M · commercial $314.5M · consumer $2.5M · securities $1.11B
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.49% | 1.26% | 1th | |
Return on equity Annualized net income ÷ equity or net worth | -5.5% | 12.2% | 1th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.80% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 116.9% | 59.0% | 100th |
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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