| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +54.9% | +4.4% | +50.5 pts |
| Deposit growth (YoY) | +58.8% | +4.0% | +54.8 pts |
| Loan growth (YoY) | +40.7% | +5.6% | +35.1 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 10.1% | 11.9% | -1.8 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 | $452.4M | $396.0M | $291.0M | $55.4M | $2.8M | 1.24% | 4.17% | 0.20% |
| Q1 2026 | $444.3M | $389.1M | $292.0M | $54.3M | $1.3M | 1.19% | 4.23% | 0.22% |
| Q4 2025 | $444.7M | $388.7M | $292.4M | $55.3M | $3.0M | 0.85% | 3.79% | 0.23% |
| Q3 2025 | $427.3M | $372.3M | $276.4M | $54.0M | $1.5M | 0.61% | 3.63% | 0.23% |
| Q2 2025 | $292.1M | $249.4M | $206.9M | $32.0M | $1.4M | 0.93% | 3.70% | 0.16% |
| Q1 2025 | $299.1M | $244.9M | $204.4M | $31.2M | $575K | 0.77% | 3.55% | 0.33% |
| Q4 2024 | $295.3M | $241.7M | $202.6M | $30.8M | $2.7M | 0.96% | 3.50% | 0.21% |
| Q3 2024 | $284.8M | $231.4M | $194.1M | $30.1M | $2.0M | 0.96% | 3.52% | 0.23% |
Loan mix (Q2 2026): real estate $248.2M · commercial $35.7M · consumer $9.1M · securities $36.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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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