| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.9% | +5.7 pts |
| Deposit growth (YoY) | +13.7% | +4.3% | +9.4 pts |
| Loan growth (YoY) | +12.9% | +5.3% | +7.6 pts |
| ROA | 2.14% | 1.28% | +0.9 pts |
| ROE | 22.8% | 12.4% | +10.3 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $646.5M | $577.8M | $540.9M | $62.1M | $6.8M | 2.14% | 4.85% | 0.50% |
| Q1 2026 | $638.1M | $575.7M | $526.5M | $60.0M | $3.5M | 2.20% | 4.84% | 0.45% |
| Q4 2025 | $630.9M | $569.6M | $492.8M | $58.1M | $14.1M | 2.44% | 5.08% | 0.51% |
| Q3 2025 | $598.0M | $538.3M | $489.4M | $55.9M | $10.5M | 2.50% | 5.08% | 0.67% |
| Q2 2025 | $584.6M | $508.1M | $478.9M | $53.5M | $6.8M | 2.46% | 5.01% | 0.61% |
| Q1 2025 | $544.5M | $490.6M | $445.2M | $51.0M | $2.9M | 2.18% | 5.06% | 0.52% |
| Q4 2024 | $524.4M | $472.8M | $416.9M | $48.8M | $11.0M | 2.25% | 4.80% | 0.63% |
| Q3 2024 | $501.4M | $430.4M | $399.6M | $48.2M | $8.2M | 2.27% | 4.74% | 0.76% |
Loan mix (Q2 2026): real estate $443.7M · commercial $72.5M · consumer $12.5M · securities $52.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 12.4% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 61.2% | 25th |
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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