| Metric | The Dart Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +5.5% | +2.1 pts |
| Deposit growth (YoY) | +10.2% | +5.1% | +5.1 pts |
| Loan growth (YoY) | -0.4% | +5.9% | -6.3 pts |
| ROA | 0.97% | 1.26% | -0.3 pts |
| ROE | 11.8% | 12.2% | -0.4 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.47B | $1.27B | $1.16B | $118.8M | $6.9M | 0.97% | 4.21% | 1.39% |
| Q1 2026 | $1.37B | $1.06B | $1.13B | $116.4M | $3.7M | 1.05% | 4.24% | 1.30% |
| Q4 2025 | $1.43B | $1.23B | $1.17B | $115.5M | $12.5M | 0.92% | 4.31% | 0.91% |
| Q3 2025 | $1.38B | $1.17B | $1.15B | $114.0M | $9.1M | 0.90% | 4.28% | 1.02% |
| Q2 2025 | $1.37B | $1.15B | $1.16B | $108.8M | $5.8M | 0.86% | 4.04% | 1.05% |
| Q1 2025 | $1.33B | $1.15B | $1.12B | $106.0M | $2.6M | 0.77% | 3.87% | 0.68% |
| Q4 2024 | $1.32B | $1.16B | $1.10B | $103.8M | $8.0M | 0.64% | 3.44% | 0.64% |
| Q3 2024 | $1.30B | $1.14B | $1.08B | $103.2M | $5.7M | 0.61% | 3.32% | 0.63% |
Loan mix (Q2 2026): real estate $1.07B · commercial $90.8M · consumer $4.1M · securities $25.2M
| Ratio | The Dart Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.26% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 12.2% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 59.0% | 96th |
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 | The Dart Bank | 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 | The Dart Bank | 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 | The Dart Bank | 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 | The Dart Bank | 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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