| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.9% | +4.4% | +9.6 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +21.5% | +5.6% | +15.9 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $475.2M | $409.0M | $343.3M | $43.0M | $3.4M | 1.45% | 3.56% | 0.08% |
| Q1 2026 | $469.5M | $425.2M | $337.8M | $41.3M | $1.5M | 1.29% | 3.41% | 0.08% |
| Q4 2025 | $465.1M | $421.5M | $313.3M | $40.7M | $5.3M | 1.24% | 3.43% | 0.16% |
| Q3 2025 | $438.4M | $395.9M | $310.2M | $39.3M | $3.6M | 1.14% | 3.26% | 0.01% |
| Q2 2025 | $417.0M | $376.9M | $282.6M | $37.2M | $2.2M | 1.07% | 3.16% | 0.01% |
| Q1 2025 | $433.0M | $394.2M | $266.0M | $36.2M | $1.0M | 0.98% | 2.96% | 0.03% |
| Q4 2024 | $405.6M | $368.4M | $260.8M | $34.6M | $4.2M | 1.16% | 3.29% | 0.03% |
| Q3 2024 | $365.1M | $326.6M | $264.8M | $35.8M | $3.0M | 1.13% | 3.29% | 0.06% |
Loan mix (Q2 2026): real estate $309.3M · commercial $25.3M · consumer $5.7M · securities $83.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.7% | 62.9% | 11th |
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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