| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +3.0% | +2.7 pts |
| Deposit growth (YoY) | +4.2% | +2.5% | +1.7 pts |
| Loan growth (YoY) | +19.8% | +2.6% | +17.2 pts |
| ROA | 2.45% | 0.99% | +1.5 pts |
| ROE | 28.2% | 8.1% | +20.1 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.7M | $87.8M | $65.2M | $8.7M | $1.1M | 2.45% | 4.65% | 0.89% |
| Q1 2026 | $95.3M | $87.1M | $59.0M | $8.0M | $611K | 2.67% | 4.54% | 0.15% |
| Q4 2025 | $88.1M | $80.3M | $59.0M | $7.6M | $2.0M | 2.31% | 4.55% | 0.02% |
| Q3 2025 | $89.1M | $81.3M | $58.0M | $7.6M | $1.5M | 2.27% | 4.50% | 0.00% |
| Q2 2025 | $91.4M | $84.2M | $54.4M | $7.0M | $903K | 2.10% | 4.36% | 0.00% |
| Q1 2025 | $86.3M | $79.6M | $53.7M | $6.5M | $477K | 2.30% | 4.38% | 0.00% |
| Q4 2024 | $79.8M | $73.5M | $54.1M | $6.2M | $1.6M | 1.96% | 4.34% | 0.00% |
| Q3 2024 | $81.3M | $74.4M | $52.5M | $6.8M | $1.2M | 1.98% | 4.27% | 0.00% |
Loan mix (Q2 2026): real estate $44.9M · commercial $9.2M · consumer $6.6M · securities $17.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.45% | 0.99% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 28.2% | 8.1% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 70.8% | 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% |
The full ratio pack is part of CharterBench Pro.