| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.2% | +4.9% | +21.3 pts |
| Deposit growth (YoY) | +23.2% | +4.3% | +18.8 pts |
| Loan growth (YoY) | +44.1% | +5.3% | +38.8 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 9.6% | 12.4% | -2.8 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $844.6M | $744.1M | $513.6M | $96.0M | $4.1M | 1.04% | 4.23% | 0.39% |
| Q1 2026 | $854.7M | $757.3M | $500.6M | $94.0M | $2.1M | 1.08% | 3.80% | 0.30% |
| Q4 2025 | $675.9M | $605.8M | $366.0M | $67.0M | $8.5M | 1.26% | 3.91% | 0.33% |
| Q3 2025 | $673.4M | $603.6M | $354.9M | $66.0M | $6.8M | 1.34% | 3.86% | 0.41% |
| Q2 2025 | $669.5M | $604.2M | $356.3M | $61.9M | $4.6M | 1.37% | 3.85% | 0.26% |
| Q1 2025 | $678.3M | $615.1M | $344.0M | $59.8M | $2.3M | 1.39% | 3.75% | 0.41% |
| Q4 2024 | $670.2M | $610.9M | $350.6M | $56.0M | $7.5M | 1.12% | 3.97% | 0.40% |
| Q3 2024 | $666.5M | $600.9M | $350.9M | $62.5M | $5.9M | 1.17% | 4.01% | 0.43% |
Loan mix (Q2 2026): real estate $379.8M · commercial $67.8M · consumer $5.4M · securities $214.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.6% | 61.2% | 73th |
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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