| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.4 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.1 pts |
| Loan growth (YoY) | +19.6% | +5.6% | +14.1 pts |
| ROA | 2.44% | 1.24% | +1.2 pts |
| ROE | 16.0% | 11.9% | +4.1 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 | $269.5M | $224.2M | $229.7M | $43.2M | $3.3M | 2.44% | 6.06% | 0.12% |
| Q1 2026 | $270.5M | $226.4M | $217.1M | $41.7M | $1.7M | 2.51% | 6.01% | 0.13% |
| Q4 2025 | $278.1M | $236.5M | $200.7M | $40.0M | $6.0M | 2.35% | 5.95% | 0.41% |
| Q3 2025 | $263.5M | $222.7M | $195.2M | $38.7M | $4.3M | 2.28% | 5.95% | 0.56% |
| Q2 2025 | $254.7M | $215.7M | $192.0M | $37.1M | $2.8M | 2.24% | 5.93% | 2.08% |
| Q1 2025 | $251.2M | $213.4M | $196.3M | $35.5M | $1.3M | 2.14% | 5.87% | 1.91% |
| Q4 2024 | $234.0M | $198.1M | $188.6M | $34.1M | $4.7M | 1.99% | 5.74% | 1.68% |
| Q3 2024 | $235.4M | $200.0M | $172.4M | $33.5M | $3.6M | 2.00% | 5.64% | 1.13% |
Loan mix (Q2 2026): real estate $202.9M · commercial $29.7M · consumer $354K · securities $12.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.0% | 62.9% | 9th |
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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