| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +14.9% | +5.6% | +9.3 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 12.3% | 11.9% | +0.4 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.7M | $305.9M | $307.0M | $59.5M | $3.6M | 1.86% | 4.67% | 3.10% |
| Q1 2026 | $384.2M | $312.5M | $301.9M | $58.3M | $2.4M | 2.50% | 5.48% | 2.14% |
| Q4 2025 | $383.7M | $318.1M | $297.8M | $56.8M | $4.5M | 1.25% | 4.02% | 3.06% |
| Q3 2025 | $357.7M | $295.4M | $272.9M | $55.8M | $3.6M | 1.36% | 3.93% | 3.61% |
| Q2 2025 | $355.6M | $294.0M | $267.1M | $54.7M | $2.5M | 1.44% | 3.98% | 2.48% |
| Q1 2025 | $362.0M | $300.5M | $269.4M | $52.9M | $1.0M | 1.15% | 3.64% | 1.57% |
| Q4 2024 | $341.3M | $277.8M | $257.7M | $51.9M | $3.2M | 0.98% | 3.64% | 0.25% |
| Q3 2024 | $337.4M | $272.8M | $250.0M | $52.4M | $2.2M | 0.94% | 3.58% | 0.52% |
Loan mix (Q2 2026): real estate $303.1M · commercial $4.5M · consumer $735K · securities $47.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.3% | 62.9% | 19th |
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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