| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.8% | +5.5% | +8.4 pts |
| Deposit growth (YoY) | +14.6% | +5.1% | +9.5 pts |
| Loan growth (YoY) | +12.0% | +5.9% | +6.1 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 12.0% | 12.2% | -0.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.63B | $1.44B | $1.34B | $152.4M | $8.7M | 1.09% | 3.72% | 0.03% |
| Q1 2026 | $1.63B | $1.43B | $1.29B | $148.8M | $4.0M | 1.01% | 3.65% | 0.00% |
| Q4 2025 | $1.52B | $1.32B | $1.25B | $135.0M | $15.5M | 1.09% | 3.77% | 0.00% |
| Q3 2025 | $1.49B | $1.29B | $1.24B | $129.9M | $10.7M | 1.02% | 3.72% | 0.02% |
| Q2 2025 | $1.43B | $1.25B | $1.20B | $124.5M | $6.7M | 0.98% | 3.65% | 0.03% |
| Q1 2025 | $1.38B | $1.20B | $1.13B | $122.4M | $3.0M | 0.91% | 3.54% | 0.05% |
| Q4 2024 | $1.29B | $1.10B | $1.06B | $118.7M | $8.3M | 0.69% | 3.38% | 0.03% |
| Q3 2024 | $1.22B | $1.04B | $978.8M | $119.2M | $6.1M | 0.69% | 3.33% | 0.07% |
Loan mix (Q2 2026): real estate $1.18B · commercial $159.4M · consumer $12.4M · securities $171.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 12.2% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 59.0% | 58th |
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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