| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.9% | +2.7 pts |
| Deposit growth (YoY) | +11.1% | +4.3% | +6.7 pts |
| Loan growth (YoY) | +13.0% | +5.3% | +7.6 pts |
| ROA | 1.41% | 1.28% | +0.1 pts |
| ROE | 14.8% | 12.4% | +2.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $517.7M | $464.5M | $279.2M | $50.1M | $3.6M | 1.41% | 3.97% | 0.84% |
| Q1 2026 | $505.6M | $453.9M | $272.5M | $48.3M | $1.6M | 1.23% | 3.88% | 0.87% |
| Q4 2025 | $516.6M | $464.7M | $256.7M | $48.4M | $5.9M | 1.20% | 3.87% | 0.86% |
| Q3 2025 | $489.2M | $439.1M | $248.8M | $46.5M | $4.1M | 1.11% | 3.87% | 0.94% |
| Q2 2025 | $481.1M | $418.2M | $247.1M | $42.9M | $2.6M | 1.06% | 3.87% | 0.93% |
| Q1 2025 | $484.5M | $440.1M | $241.4M | $41.4M | $1.4M | 1.12% | 3.83% | 0.08% |
| Q4 2024 | $494.2M | $452.7M | $239.3M | $38.2M | $5.6M | 1.15% | 3.31% | 0.08% |
| Q3 2024 | $499.8M | $455.1M | $226.5M | $41.4M | $3.4M | 0.95% | 3.17% | 0.09% |
Loan mix (Q2 2026): real estate $270.3M · commercial $8.7M · consumer $3.5M · securities $187.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.28% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.2% | 61.2% | 50th |
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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