| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +37.4% | +4.4% | +33.0 pts |
| Deposit growth (YoY) | +45.7% | +4.0% | +41.7 pts |
| Loan growth (YoY) | +51.4% | +5.6% | +45.8 pts |
| ROA | 0.28% | 1.24% | -1.0 pts |
| ROE | 2.5% | 11.9% | -9.3 pts |
ROA ranks in the 7th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.2M | $99.7M | $101.2M | $13.2M | $166K | 0.28% | 3.23% | 2.18% |
| Q1 2026 | $117.2M | $94.6M | $94.4M | $13.1M | $58K | 0.21% | 3.29% | 0.00% |
| Q4 2025 | $107.2M | $86.6M | $85.1M | $13.1M | $-357K | -0.39% | 3.21% | 0.00% |
| Q3 2025 | $97.2M | $76.5M | $74.1M | $13.0M | $-366K | -0.56% | 3.22% | 0.00% |
| Q2 2025 | $91.2M | $68.5M | $66.8M | $12.9M | $-252K | -0.61% | 3.20% | 0.00% |
| Q1 2025 | $82.4M | $65.9M | $59.5M | $13.1M | $-142K | -0.72% | 3.11% | 0.00% |
| Q4 2024 | $75.5M | $55.4M | $54.1M | $13.1M | $-947K | -1.50% | 3.29% | 0.00% |
| Q3 2024 | $70.0M | $53.0M | $46.9M | $13.4M | $-798K | -1.76% | 3.34% | 0.00% |
Loan mix (Q2 2026): real estate $90.3M · commercial $10.9M · consumer $492K · securities $14.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 1.24% | 7th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 11.9% | 8th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 91.2% | 62.9% | 95th |
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.
Spends 2.8× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
1 branches in 1 county across 1 state (+0 vs 2025) · $99.7M branch deposits. Biggest market: Maricopa, AZ, ranked 65th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maricopa, AZ | 1 | $99.7M | 0.05% | 65th |
Arizona: 83rd with 0.04% · Phoenix-Mesa-Chandler metro: 67th, 0.05% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1