| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +77.9% | +5.5% | +72.4 pts |
| Deposit growth (YoY) | +50.8% | +5.1% | +45.7 pts |
| Loan growth (YoY) | +117.2% | +5.9% | +111.3 pts |
| ROA | 37.85% | 1.26% | +36.6 pts |
| ROE | 60.0% | 12.2% | +47.8 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.06B | $559.3M | $1.29B | $1.35B | $350.5M | 37.85% | 42.73% | 0.45% |
| Q1 2026 | $1.80B | $495.7M | $1.06B | $1.16B | $169.5M | 38.77% | 41.77% | 0.61% |
| Q4 2025 | $1.69B | $495.3M | $910.8M | $991.2M | $387.8M | 31.51% | 27.46% | 0.67% |
| Q3 2025 | $1.35B | $420.6M | $756.6M | $845.1M | $243.2M | 29.09% | 22.17% | 0.71% |
| Q2 2025 | $1.16B | $371.0M | $592.4M | $721.0M | $122.9M | 23.76% | 17.95% | 0.66% |
| Q1 2025 | $1.02B | $330.2M | $457.9M | $646.8M | $52.4M | 21.50% | 16.27% | 0.92% |
| Q4 2024 | $931.1M | $298.3M | $416.9M | $591.7M | $167.9M | 20.76% | 15.88% | 0.65% |
| Q3 2024 | $882.1M | $291.4M | $310.8M | $548.0M | $127.8M | 21.88% | 15.39% | 0.70% |
Loan mix (Q2 2026): real estate $0 · commercial $472.8M · consumer $917.7M · securities $9.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 37.85% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 60.0% | 12.2% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 42.73% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 15.4% | 59.0% | 1th |
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% |
The full ratio pack is part of CharterBench Pro.