| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +5.5% | +4.6 pts |
| Deposit growth (YoY) | +10.3% | +5.1% | +5.2 pts |
| Loan growth (YoY) | +12.9% | +5.9% | +6.9 pts |
| ROA | 0.89% | 1.26% | -0.4 pts |
| ROE | 8.8% | 12.2% | -3.4 pts |
ROA ranks in the 22nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.65B | $1.41B | $1.22B | $165.4M | $7.2M | 0.89% | 3.88% | 1.08% |
| Q1 2026 | $1.66B | $1.43B | $1.19B | $163.2M | $4.1M | 1.02% | 3.82% | 1.19% |
| Q4 2025 | $1.57B | $1.33B | $1.17B | $162.6M | $15.7M | 1.03% | 3.97% | 1.06% |
| Q3 2025 | $1.55B | $1.34B | $1.11B | $157.2M | $11.8M | 1.05% | 3.92% | 0.30% |
| Q2 2025 | $1.50B | $1.28B | $1.08B | $153.7M | $8.6M | 1.15% | 3.89% | 0.32% |
| Q1 2025 | $1.50B | $1.29B | $1.02B | $148.9M | $4.1M | 1.11% | 3.69% | 0.33% |
| Q4 2024 | $1.49B | $1.28B | $1.04B | $144.2M | $11.2M | 0.79% | 3.62% | 0.33% |
| Q3 2024 | $1.48B | $1.27B | $1.03B | $146.3M | $8.7M | 0.84% | 3.60% | 0.31% |
Loan mix (Q2 2026): real estate $989.3M · commercial $104.1M · consumer $72.1M · securities $256.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.26% | 22th | |
Return on equity Annualized net income ÷ equity or net worth | 8.8% | 12.2% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 59.0% | 55th |
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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