| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.3% | +4.4% | +12.9 pts |
| Deposit growth (YoY) | +12.2% | +4.0% | +8.3 pts |
| Loan growth (YoY) | +17.9% | +5.6% | +12.3 pts |
| ROA | 1.59% | 1.24% | +0.4 pts |
| ROE | 18.2% | 11.9% | +6.3 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $252.3M | $219.3M | $206.8M | $22.0M | $1.9M | 1.59% | 5.20% | 0.30% |
| Q1 2026 | $242.5M | $219.1M | $191.2M | $21.6M | $928K | 1.55% | 5.07% | 0.53% |
| Q4 2025 | $235.3M | $213.7M | $185.2M | $20.2M | $3.3M | 1.54% | 5.20% | 0.54% |
| Q3 2025 | $225.2M | $204.6M | $178.2M | $19.2M | $2.4M | 1.52% | 5.20% | 0.40% |
| Q2 2025 | $215.1M | $195.4M | $175.4M | $18.2M | $1.6M | 1.50% | 5.25% | 0.37% |
| Q1 2025 | $208.1M | $189.8M | $166.8M | $17.3M | $673K | 1.33% | 5.10% | 0.43% |
| Q4 2024 | $197.4M | $179.6M | $155.4M | $16.5M | $2.3M | 1.27% | 5.01% | 0.52% |
| Q3 2024 | $185.2M | $167.3M | $149.2M | $16.3M | $1.7M | 1.29% | 5.02% | 0.56% |
Loan mix (Q2 2026): real estate $177.9M · commercial $15.2M · consumer $15.1M · securities $14.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 18.2% | 11.9% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 62.9% | 30th |
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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