| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +4.9% | +9.3 pts |
| Deposit growth (YoY) | +13.6% | +4.3% | +9.3 pts |
| Loan growth (YoY) | +8.7% | +5.3% | +3.4 pts |
| ROA | 1.43% | 1.28% | +0.1 pts |
| ROE | 15.9% | 12.4% | +3.4 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $722.8M | $602.2M | $298.6M | $67.2M | $5.0M | 1.43% | 3.46% | 1.09% |
| Q1 2026 | $740.2M | $617.3M | $313.0M | $64.1M | $2.6M | 1.48% | 3.23% | 0.85% |
| Q4 2025 | $655.6M | $537.7M | $276.6M | $59.5M | $8.2M | 1.29% | 3.27% | 0.83% |
| Q3 2025 | $646.8M | $539.6M | $278.3M | $57.5M | $6.3M | 1.31% | 3.25% | 0.44% |
| Q2 2025 | $632.8M | $530.1M | $274.7M | $53.0M | $3.9M | 1.22% | 3.21% | 0.44% |
| Q1 2025 | $637.9M | $537.2M | $267.5M | $52.9M | $1.7M | 1.08% | 3.15% | 0.44% |
| Q4 2024 | $623.8M | $515.2M | $268.9M | $51.3M | $8.0M | 1.30% | 3.26% | 0.40% |
| Q3 2024 | $608.6M | $515.6M | $260.0M | $53.3M | $5.8M | 1.25% | 3.20% | 0.76% |
Loan mix (Q2 2026): real estate $230.4M · commercial $30.9M · consumer $26.4M · securities $306.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.28% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 15.9% | 12.4% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 61.2% | 25th |
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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