| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +4.4% | +10.5 pts |
| Deposit growth (YoY) | +20.0% | +4.0% | +16.0 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.0 pts |
| ROA | 2.90% | 1.24% | +1.7 pts |
| ROE | 31.8% | 11.9% | +20.0 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $425.4M | $365.2M | $326.0M | $38.9M | $5.8M | 2.90% | 6.72% | 0.03% |
| Q1 2026 | $397.2M | $339.2M | $300.5M | $36.7M | $2.8M | 2.93% | 6.18% | 0.03% |
| Q4 2025 | $374.2M | $310.3M | $304.1M | $33.4M | $11.5M | 3.25% | 6.67% | 0.01% |
| Q3 2025 | $370.7M | $281.5M | $301.8M | $33.7M | $9.2M | 3.53% | 6.84% | 0.01% |
| Q2 2025 | $370.4M | $304.4M | $289.7M | $29.9M | $5.7M | 3.32% | 6.68% | 1.10% |
| Q1 2025 | $330.3M | $302.4M | $262.0M | $27.2M | $2.5M | 3.06% | 6.05% | 2.17% |
| Q4 2024 | $322.7M | $298.1M | $249.3M | $24.2M | $8.4M | 2.77% | 5.78% | 0.00% |
| Q3 2024 | $306.9M | $281.3M | $232.8M | $24.5M | $5.5M | 2.48% | 5.58% | 0.00% |
Loan mix (Q2 2026): real estate $199.8M · commercial $112.0M · consumer $6.8M · securities $37.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.90% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 31.8% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 62.9% | 17th |
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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