| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +4.9% | +7.7 pts |
| Deposit growth (YoY) | +13.5% | +4.3% | +9.2 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.6 pts |
| ROA | 1.27% | 1.28% | -0.0 pts |
| ROE | 13.3% | 12.4% | +0.9 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $533.4M | $469.4M | $390.9M | $48.7M | $3.2M | 1.27% | 4.00% | 0.03% |
| Q1 2026 | $490.1M | $427.5M | $378.2M | $48.1M | $2.2M | 1.80% | 4.04% | 0.05% |
| Q4 2025 | $477.6M | $416.7M | $369.2M | $46.3M | $4.8M | 1.02% | 3.85% | 0.07% |
| Q3 2025 | $477.5M | $417.7M | $370.0M | $44.8M | $3.4M | 0.97% | 3.77% | 0.03% |
| Q2 2025 | $473.6M | $413.5M | $362.0M | $43.4M | $2.0M | 0.87% | 3.66% | 0.01% |
| Q1 2025 | $469.1M | $407.9M | $351.3M | $42.6M | $882K | 0.77% | 3.48% | 0.00% |
| Q4 2024 | $449.9M | $387.6M | $316.0M | $41.0M | $1.6M | 0.39% | 3.01% | 0.00% |
| Q3 2024 | $425.8M | $372.7M | $302.0M | $40.2M | $1.0M | 0.33% | 2.88% | 0.00% |
Loan mix (Q2 2026): real estate $352.6M · commercial $24.2M · consumer $18.0M · securities $74.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.28% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 12.4% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 61.2% | 75th |
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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