| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.7 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $231.8M | $195.7M | $176.2M | $30.8M | $2.1M | 1.85% | 4.34% | 0.19% |
| Q1 2026 | $226.6M | $195.0M | $166.9M | $30.2M | $981K | 1.77% | 4.27% | 0.23% |
| Q4 2025 | $216.0M | $185.2M | $157.7M | $29.7M | $3.8M | 1.77% | 4.31% | 0.99% |
| Q3 2025 | $214.1M | $183.8M | $154.2M | $29.1M | $2.8M | 1.74% | 4.29% | 0.92% |
| Q2 2025 | $214.4M | $184.8M | $153.0M | $28.6M | $1.8M | 1.71% | 4.22% | 0.36% |
| Q1 2025 | $215.0M | $185.6M | $146.0M | $28.0M | $891K | 1.67% | 4.15% | 0.24% |
| Q4 2024 | $212.7M | $184.2M | $146.5M | $27.4M | $4.2M | 2.02% | 4.14% | 0.21% |
| Q3 2024 | $204.8M | $175.5M | $146.3M | $27.2M | $3.5M | 2.31% | 4.11% | 1.43% |
Loan mix (Q2 2026): real estate $139.3M · commercial $8.7M · consumer $6.9M · securities $23.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.5% | 62.9% | 5th |
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.