| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.2% | +4.4% | +7.8 pts |
| Deposit growth (YoY) | +17.1% | +4.0% | +13.1 pts |
| Loan growth (YoY) | +18.8% | +5.6% | +13.2 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 18.4% | 11.9% | +6.5 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.3M | $171.5M | $127.3M | $19.9M | $1.8M | 1.84% | 3.85% | 0.00% |
| Q1 2026 | $195.6M | $163.2M | $120.0M | $19.6M | $815K | 1.71% | 3.67% | 0.00% |
| Q4 2025 | $185.5M | $156.0M | $122.0M | $18.8M | $2.5M | 1.41% | 3.28% | 0.00% |
| Q3 2025 | $181.3M | $147.6M | $113.8M | $18.5M | $1.7M | 1.26% | 3.11% | 0.00% |
| Q2 2025 | $179.4M | $146.5M | $107.1M | $17.1M | $1.0M | 1.15% | 3.02% | 0.14% |
| Q1 2025 | $181.6M | $152.9M | $100.9M | $16.6M | $438K | 0.98% | 2.93% | 0.00% |
| Q4 2024 | $175.1M | $147.4M | $98.2M | $15.3M | $1.2M | 0.62% | 2.25% | 0.00% |
| Q3 2024 | $189.5M | $144.1M | $96.9M | $15.8M | $779K | 0.55% | 2.15% | 0.00% |
Loan mix (Q2 2026): real estate $112.9M · commercial $10.0M · consumer $3.4M · securities $58.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.7% | 62.9% | 20th |
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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