| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.4% | +4.4% | +15.0 pts |
| Deposit growth (YoY) | +24.4% | +4.0% | +20.5 pts |
| Loan growth (YoY) | +18.8% | +5.6% | +13.2 pts |
| ROA | 0.33% | 1.24% | -0.9 pts |
| ROE | 2.7% | 11.9% | -9.2 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.5M | $335.8M | $309.4M | $44.4M | $596K | 0.33% | 3.15% | 0.19% |
| Q1 2026 | $349.3M | $303.1M | $285.5M | $44.2M | $404K | 0.47% | 3.15% | 0.10% |
| Q4 2025 | $344.5M | $287.6M | $280.2M | $43.8M | $3.9M | 1.19% | 2.96% | 0.09% |
| Q3 2025 | $337.0M | $283.7M | $278.2M | $40.5M | $894K | 0.37% | 2.90% | 0.00% |
| Q2 2025 | $322.1M | $269.9M | $260.5M | $39.7M | $555K | 0.35% | 2.83% | 0.00% |
| Q1 2025 | $318.9M | $267.3M | $251.1M | $39.1M | $267K | 0.34% | 2.80% | 0.00% |
| Q4 2024 | $306.9M | $255.8M | $242.8M | $38.2M | $615K | 0.22% | 2.46% | 0.00% |
| Q3 2024 | $297.5M | $246.1M | $237.7M | $38.5M | $111K | 0.06% | 2.34% | 0.00% |
Loan mix (Q2 2026): real estate $272.9M · commercial $36.3M · consumer $2.0M · securities $30.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.33% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 2.7% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 62.9% | 81th |
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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