| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.8% | +5.5% | +5.4 pts |
| Deposit growth (YoY) | +10.7% | +5.1% | +5.6 pts |
| Loan growth (YoY) | +17.0% | +5.9% | +11.1 pts |
| ROA | 1.15% | 1.26% | -0.1 pts |
| ROE | 7.4% | 12.2% | -4.7 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.49B | $2.29B | $2.88B | $525.3M | $19.1M | 1.15% | 3.66% | 0.68% |
| Q1 2026 | $3.29B | $2.15B | $2.70B | $514.8M | $9.3M | 1.15% | 3.64% | 0.62% |
| Q4 2025 | $3.21B | $2.06B | $2.60B | $504.8M | $31.4M | 1.01% | 3.35% | 0.84% |
| Q3 2025 | $3.15B | $2.08B | $2.50B | $492.8M | $20.7M | 0.89% | 3.25% | 0.89% |
| Q2 2025 | $3.14B | $2.07B | $2.46B | $483.6M | $13.5M | 0.87% | 3.17% | 0.79% |
| Q1 2025 | $3.08B | $2.03B | $2.38B | $475.8M | $6.6M | 0.86% | 3.05% | 0.89% |
| Q4 2024 | $3.03B | $1.91B | $2.30B | $467.0M | $14.7M | 0.51% | 2.79% | 0.90% |
| Q3 2024 | $3.00B | $1.90B | $2.19B | $465.6M | $11.1M | 0.52% | 2.75% | 0.57% |
Loan mix (Q2 2026): real estate $2.84B · commercial $72.4M · consumer $554K · securities $338.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.26% | 41st | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 12.2% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 59.0% | 35th |
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.
14 branches in 5 counties across 2 states (+0 vs 2024) · $2.07B branch deposits. Biggest market: New York, NY, ranked 36th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| New York, NY | 2 | $1.24B | 0.07% | 36th |
| Bronx, NY | 5 | $362.4M | 1.99% | 12th |
| Queens, NY | 3 | $248.9M | 0.30% | 35th |
| 2 more counties with Pro → | ||||
New York: 63rd with 0.07% · New Jersey: 125th with 0.02% · New York-Newark-Jersey City metro: 60th, 0.07% ·
Branch count: 2022 14 · 2023 14 · 2024 14 · 2025 14