| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +3.0% | +3.5 pts |
| Deposit growth (YoY) | +7.7% | +2.5% | +5.3 pts |
| Loan growth (YoY) | +20.8% | +2.6% | +18.2 pts |
| ROA | 1.54% | 0.99% | +0.5 pts |
| ROE | 19.9% | 8.1% | +11.8 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.9M | $71.6M | $51.8M | $6.2M | $591K | 1.54% | 4.94% | 0.87% |
| Q1 2026 | $77.7M | $71.7M | $51.3M | $6.0M | $245K | 1.28% | 4.43% | 2.15% |
| Q4 2025 | $74.8M | $67.6M | $49.2M | $5.6M | $656K | 0.89% | 4.02% | 1.89% |
| Q3 2025 | $73.7M | $66.6M | $45.3M | $5.5M | $384K | 0.70% | 3.90% | 1.78% |
| Q2 2025 | $73.2M | $66.5M | $42.9M | $5.1M | $231K | 0.63% | 3.87% | 0.60% |
| Q1 2025 | $74.1M | $67.8M | $44.8M | $4.8M | $85K | 0.46% | 3.76% | 0.64% |
| Q4 2024 | $72.4M | $63.8M | $43.6M | $4.6M | $284K | 0.37% | 3.38% | 0.66% |
| Q3 2024 | $78.2M | $63.4M | $49.6M | $4.8M | $236K | 0.40% | 3.32% | 0.60% |
Loan mix (Q2 2026): real estate $41.1M · commercial $7.9M · consumer $965K · securities $16.1M
| Ratio | Sherwood Community Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 8.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 70.8% | 36th |
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 | Sherwood Community Bank | 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 | Sherwood Community Bank | 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 | Sherwood Community Bank | 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 | Sherwood Community Bank | 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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