| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.7% | +5.5% | +9.3 pts |
| Deposit growth (YoY) | +16.5% | +5.1% | +11.4 pts |
| Loan growth (YoY) | +19.3% | +5.9% | +13.4 pts |
| ROA | 1.61% | 1.26% | +0.4 pts |
| ROE | 14.7% | 12.2% | +2.5 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.70B | $1.43B | $1.20B | $182.6M | $13.1M | 1.61% | 3.46% | 0.01% |
| Q1 2026 | $1.60B | $1.36B | $1.15B | $176.8M | $6.2M | 1.57% | 3.47% | 0.02% |
| Q4 2025 | $1.55B | $1.31B | $1.08B | $175.6M | $22.0M | 1.47% | 3.44% | 0.02% |
| Q3 2025 | $1.50B | $1.26B | $1.02B | $172.1M | $17.4M | 1.56% | 3.41% | 0.04% |
| Q2 2025 | $1.48B | $1.23B | $1.01B | $165.0M | $11.4M | 1.54% | 3.39% | 0.05% |
| Q1 2025 | $1.46B | $1.24B | $954.6M | $160.7M | $4.8M | 1.31% | 3.26% | 0.05% |
| Q4 2024 | $1.49B | $1.27B | $948.0M | $159.2M | $15.7M | 1.24% | 2.83% | 0.07% |
| Q3 2024 | $1.21B | $1.02B | $844.0M | $130.4M | $11.3M | 1.25% | 2.85% | 0.01% |
Loan mix (Q2 2026): real estate $729.1M · commercial $305.6M · consumer $22.9M · securities $383.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.2% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.4% | 59.0% | 13th |
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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