| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.5% | +4.9% | +16.6 pts |
| Deposit growth (YoY) | +22.4% | +4.3% | +18.1 pts |
| Loan growth (YoY) | +34.5% | +5.3% | +29.2 pts |
| ROA | 1.35% | 1.28% | +0.1 pts |
| ROE | 18.2% | 12.4% | +5.7 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $568.9M | $503.9M | $438.2M | $43.9M | $3.7M | 1.35% | 3.57% | 0.18% |
| Q1 2026 | $541.9M | $478.3M | $415.4M | $40.0M | $1.8M | 1.36% | 3.56% | 0.48% |
| Q4 2025 | $542.6M | $480.4M | $396.2M | $39.3M | $4.9M | 1.04% | 3.30% | 0.09% |
| Q3 2025 | $490.5M | $428.0M | $354.1M | $38.7M | $3.7M | 1.09% | 3.29% | 0.03% |
| Q2 2025 | $468.1M | $411.6M | $325.7M | $34.4M | $2.3M | 1.06% | 3.24% | 0.16% |
| Q1 2025 | $431.7M | $372.9M | $295.3M | $30.5M | $1.3M | 1.27% | 3.20% | 0.12% |
| Q4 2024 | $408.6M | $353.6M | $281.4M | $25.8M | $1.3M | 0.37% | 3.24% | 0.05% |
| Q3 2024 | $173.1M | $155.5M | $117.5M | $17.0M | $1.3M | 0.99% | 3.88% | 0.05% |
Loan mix (Q2 2026): real estate $399.7M · commercial $33.9M · consumer $7.8M · securities $47.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.28% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 61.2% | 37th |
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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