| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.5% | +4.9% | +13.6 pts |
| Deposit growth (YoY) | +24.8% | +4.3% | +20.4 pts |
| Loan growth (YoY) | +14.1% | +5.3% | +8.7 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 16.7% | 12.4% | +4.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $508.4M | $365.6M | $226.4M | $37.7M | $3.1M | 1.29% | 3.51% | 0.05% |
| Q1 2026 | $473.8M | $337.3M | $224.7M | $36.7M | $1.5M | 1.34% | 3.38% | 0.13% |
| Q4 2025 | $439.4M | $305.8M | $212.0M | $35.9M | $4.8M | 1.13% | 3.25% | 0.21% |
| Q3 2025 | $430.9M | $294.0M | $202.6M | $33.9M | $3.3M | 1.04% | 3.17% | 0.28% |
| Q2 2025 | $429.0M | $293.1M | $198.4M | $31.7M | $2.1M | 0.99% | 3.07% | 0.27% |
| Q1 2025 | $427.5M | $300.6M | $192.6M | $29.6M | $833K | 0.79% | 2.91% | 0.23% |
| Q4 2024 | $417.7M | $302.6M | $186.3M | $28.7M | $4.3M | 1.09% | 3.14% | 0.21% |
| Q3 2024 | $420.5M | $294.8M | $184.0M | $31.1M | $3.2M | 1.08% | 3.18% | 0.23% |
Loan mix (Q2 2026): real estate $164.8M · commercial $38.2M · consumer $20.1M · securities $189.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 12.4% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.5% | 61.2% | 20th |
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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