| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.3 pts |
| Loan growth (YoY) | +9.4% | +5.6% | +3.8 pts |
| ROA | 2.32% | 1.24% | +1.1 pts |
| ROE | 24.4% | 11.9% | +12.5 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $199.4M | $180.4M | $131.9M | $18.5M | $2.2M | 2.32% | 4.60% | 0.26% |
| Q1 2026 | $193.0M | $173.6M | $126.9M | $18.8M | $1.1M | 2.31% | 4.53% | 0.32% |
| Q4 2025 | $187.7M | $169.4M | $123.0M | $17.8M | $3.5M | 1.92% | 4.52% | 0.07% |
| Q3 2025 | $183.0M | $165.5M | $121.4M | $17.0M | $2.5M | 1.82% | 4.47% | 0.09% |
| Q2 2025 | $179.8M | $163.6M | $120.6M | $15.7M | $1.4M | 1.58% | 4.34% | 0.09% |
| Q1 2025 | $181.8M | $165.4M | $117.8M | $16.0M | $835K | 1.85% | 4.09% | 0.03% |
| Q4 2024 | $178.9M | $163.6M | $113.8M | $14.8M | $2.8M | 1.63% | 3.95% | 0.02% |
| Q3 2024 | $181.7M | $161.4M | $111.0M | $14.6M | $2.1M | 1.59% | 3.90% | 0.02% |
Loan mix (Q2 2026): real estate $97.5M · commercial $13.6M · consumer $14.5M · securities $40.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.32% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 24.4% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.5% | 62.9% | 21th |
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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