| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.9% | +5.7 pts |
| Deposit growth (YoY) | +7.4% | +4.3% | +3.0 pts |
| Loan growth (YoY) | +16.1% | +5.3% | +10.8 pts |
| ROA | 0.71% | 1.28% | -0.6 pts |
| ROE | 8.1% | 12.4% | -4.3 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $897.7M | $791.4M | $597.0M | $78.2M | $3.1M | 0.71% | 3.60% | 0.07% |
| Q1 2026 | $869.3M | $762.5M | $564.0M | $76.5M | $1.4M | 0.67% | 3.52% | 0.02% |
| Q4 2025 | $853.4M | $771.2M | $559.4M | $75.8M | $7.7M | 0.94% | 3.46% | 0.02% |
| Q3 2025 | $831.3M | $750.5M | $531.5M | $72.6M | $5.1M | 0.84% | 3.42% | 0.02% |
| Q2 2025 | $811.8M | $737.1M | $514.1M | $68.8M | $3.3M | 0.81% | 3.35% | 0.02% |
| Q1 2025 | $820.6M | $750.6M | $506.3M | $64.4M | $1.6M | 0.80% | 3.30% | 0.06% |
| Q4 2024 | $788.1M | $724.9M | $516.8M | $57.6M | $4.1M | 0.52% | 2.88% | 0.67% |
| Q3 2024 | $808.7M | $730.6M | $517.4M | $57.1M | $2.7M | 0.46% | 2.81% | 0.70% |
Loan mix (Q2 2026): real estate $585.3M · commercial $18.2M · consumer $1.7M · securities $170.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 1.28% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 8.1% | 12.4% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.4% | 61.2% | 81th |
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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