| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +27.5% | +5.5% | +22.1 pts |
| Deposit growth (YoY) | +29.7% | +5.1% | +24.7 pts |
| Loan growth (YoY) | +15.9% | +5.9% | +10.0 pts |
| ROA | 2.50% | 1.26% | +1.2 pts |
| ROE | 25.6% | 12.2% | +13.5 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.42B | $1.22B | $883.8M | $130.5M | $16.4M | 2.50% | 4.06% | 0.18% |
| Q1 2026 | $1.25B | $1.06B | $810.5M | $127.5M | $7.3M | 2.33% | 3.90% | 0.20% |
| Q4 2025 | $1.25B | $1.07B | $804.3M | $124.8M | $26.6M | 2.27% | 3.87% | 0.10% |
| Q3 2025 | $1.18B | $986.9M | $776.4M | $124.3M | $19.6M | 2.27% | 3.87% | 0.19% |
| Q2 2025 | $1.11B | $943.8M | $762.5M | $115.8M | $12.6M | 2.22% | 3.84% | 0.17% |
| Q1 2025 | $1.13B | $956.9M | $745.4M | $112.1M | $5.7M | 1.96% | 3.67% | 0.14% |
| Q4 2024 | $1.18B | $1.01B | $734.5M | $107.8M | $20.4M | 2.00% | 3.20% | 0.16% |
| Q3 2024 | $973.1M | $816.2M | $630.9M | $102.5M | $14.9M | 2.02% | 3.15% | 0.22% |
Loan mix (Q2 2026): real estate $740.4M · commercial $108.2M · consumer $10.5M · securities $351.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 1.26% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 25.6% | 12.2% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.3% | 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 |
|---|---|---|---|---|
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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