| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +5.5% | -1.9 pts |
| Deposit growth (YoY) | +180.2% | +5.1% | +175.1 pts |
| Loan growth (YoY) | — | +6.0% | — |
| ROA | 15.27% | 1.26% | +14.0 pts |
| ROE | 19.0% | 12.2% | +6.8 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 | $1.37B | $2.2M | $0 | $1.11B | $104.7M | 15.27% | 4.04% | 1.88% |
| Q1 2026 | $1.39B | $1.1M | $0 | $1.11B | $56.5M | 16.47% | 3.76% | 1.80% |
| Q4 2025 | $1.35B | $1.4M | $0 | $1.08B | $223.7M | 16.82% | 4.45% | 1.59% |
| Q3 2025 | $1.34B | $930K | $0 | $1.07B | $164.4M | 16.54% | 4.54% | 1.69% |
| Q2 2025 | $1.33B | $797K | $0 | $1.07B | $104.8M | 15.88% | 4.57% | 1.10% |
| Q1 2025 | $1.33B | $882K | $0 | $1.07B | $52.9M | 16.05% | 4.53% | 1.14% |
| Q4 2024 | $1.30B | $967K | $0 | $1.04B | $248.5M | 18.99% | 5.71% | 0.93% |
| Q3 2024 | $1.29B | $1.1M | $0 | $1.03B | $188.4M | 19.17% | 5.86% | 0.80% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $523K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 15.27% | 1.26% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 12.2% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.4% | 59.0% | 8th |
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% |
The full ratio pack is part of CharterBench Pro.
10 branches in 10 counties across 8 states (+0 vs 2025) · $2.2M branch deposits. Biggest market: Los Angeles, CA, ranked 186th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 1 | $2.2M | 0.00% | 186th |
| New York, NY | 1 | $0 | 0.00% | 112th |
| Cook, IL | 1 | $0 | 0.00% | 169th |
| 7 more counties with Pro → | ||||
California: 429th with 0.00% · Pennsylvania: 446th with 0.00% · Massachusetts: 246th with 0.00% · Indiana: 289th with 0.00% · Florida: 336th with 0.00% · Texas: 914th with 0.00% · Illinois: 603rd with 0.00% · New York: 482nd with 0.00% · Los Angeles-Long Beach-Anaheim metro: 213th, 0.00% · Indianapolis-Carmel-Greenwood metro: 83rd, 0.00% ·
Branch count: 2022 12 · 2023 10 · 2024 10 · 2025 10 · 2026 10