| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +6.4% | +5.6% | +0.8 pts |
| ROA | 2.40% | 1.24% | +1.2 pts |
| ROE | 26.1% | 11.9% | +14.3 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $357.1M | $315.5M | $280.1M | $33.5M | $4.2M | 2.40% | 4.93% | 0.31% |
| Q1 2026 | $351.9M | $313.5M | $278.6M | $31.6M | $1.9M | 2.14% | 4.85% | 0.20% |
| Q4 2025 | $348.7M | $305.9M | $274.7M | $31.9M | $6.3M | 1.88% | 4.56% | 0.25% |
| Q3 2025 | $340.5M | $295.3M | $268.2M | $30.1M | $5.1M | 2.03% | 4.49% | 0.26% |
| Q2 2025 | $334.6M | $295.8M | $263.2M | $27.8M | $3.2M | 1.92% | 4.40% | 0.24% |
| Q1 2025 | $337.4M | $309.2M | $258.5M | $26.1M | $1.5M | 1.83% | 4.17% | 0.12% |
| Q4 2024 | $325.3M | $296.5M | $254.3M | $25.6M | $5.5M | 1.70% | 4.04% | 0.10% |
| Q3 2024 | $325.9M | $295.6M | $251.7M | $26.0M | $4.0M | 1.67% | 3.97% | 0.11% |
Loan mix (Q2 2026): real estate $191.0M · commercial $14.3M · consumer $70.1M · securities $50.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 26.1% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 62.9% | 24th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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