| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +15.6% | +5.6% | +10.1 pts |
| ROA | 2.48% | 1.24% | +1.2 pts |
| ROE | 18.4% | 11.9% | +6.6 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $251.5M | $194.7M | $170.3M | $34.8M | $3.1M | 2.48% | 3.14% | 0.00% |
| Q1 2026 | $253.2M | $196.8M | $160.6M | $33.1M | $1.5M | 2.50% | 3.02% | 0.00% |
| Q4 2025 | $238.2M | $184.2M | $158.6M | $31.8M | $4.7M | 1.95% | 2.66% | 0.00% |
| Q3 2025 | $241.3M | $185.8M | $150.5M | $33.5M | $3.6M | 1.97% | 2.60% | 0.00% |
| Q2 2025 | $239.2M | $189.7M | $147.3M | $31.8M | $2.4M | 1.92% | 2.49% | 0.00% |
| Q1 2025 | $250.9M | $201.3M | $141.2M | $30.3M | $1.2M | 1.90% | 2.35% | 0.00% |
| Q4 2024 | $245.9M | $197.3M | $138.1M | $28.7M | $4.1M | 1.77% | 2.27% | 0.00% |
| Q3 2024 | $240.4M | $188.7M | $135.8M | $31.2M | $3.1M | 1.79% | 2.28% | 0.00% |
Loan mix (Q2 2026): real estate $153.7M · commercial $10.1M · consumer $6.8M · securities $49.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.8% | 62.9% | 6th |
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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