| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +19.2% | +4.4% | +14.8 pts |
| Deposit growth (YoY) | +20.9% | +4.0% | +16.9 pts |
| Loan growth (YoY) | +4.1% | +5.6% | -1.5 pts |
| ROA | 2.71% | 1.24% | +1.5 pts |
| ROE | 27.6% | 11.9% | +15.8 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.5M | $298.2M | $218.9M | $33.6M | $4.5M | 2.71% | 5.15% | 2.27% |
| Q1 2026 | $331.4M | $292.2M | $225.5M | $33.1M | $2.3M | 2.85% | 5.19% | 2.13% |
| Q4 2025 | $321.5M | $285.5M | $218.4M | $30.9M | $8.1M | 2.68% | 5.80% | 1.79% |
| Q3 2025 | $316.2M | $278.6M | $214.4M | $32.7M | $7.0M | 3.14% | 5.93% | 2.24% |
| Q2 2025 | $285.7M | $246.7M | $210.3M | $32.2M | $4.6M | 3.21% | 6.02% | 2.57% |
| Q1 2025 | $288.9M | $252.8M | $207.3M | $31.7M | $2.3M | 3.15% | 6.00% | 0.76% |
| Q4 2024 | $292.9M | $260.0M | $204.4M | $28.9M | $10.2M | 3.42% | 6.08% | 0.59% |
| Q3 2024 | $294.8M | $257.9M | $201.9M | $31.3M | $7.2M | 3.23% | 6.05% | 0.69% |
Loan mix (Q2 2026): real estate $116.2M · commercial $95.8M · consumer $9.4M · securities $49.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.71% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 27.6% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th |
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% |
The full ratio pack is part of CharterBench Pro.