| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.9% | +6.0 pts |
| Deposit growth (YoY) | +10.4% | +4.3% | +6.1 pts |
| Loan growth (YoY) | -3.7% | +5.3% | -9.0 pts |
| ROA | 1.79% | 1.28% | +0.5 pts |
| ROE | 18.1% | 12.4% | +5.7 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $640.0M | $574.9M | $94.7M | $63.0M | $5.6M | 1.79% | 2.90% | 0.25% |
| Q1 2026 | $615.6M | $553.3M | $90.9M | $60.7M | $2.7M | 1.75% | 2.88% | 0.17% |
| Q4 2025 | $624.2M | $561.1M | $96.5M | $61.7M | $8.4M | 1.41% | 2.64% | 0.21% |
| Q3 2025 | $608.4M | $547.3M | $94.0M | $59.0M | $5.4M | 1.23% | 2.56% | 0.21% |
| Q2 2025 | $577.0M | $520.6M | $98.3M | $54.2M | $4.2M | 1.44% | 2.55% | 0.00% |
| Q1 2025 | $598.6M | $548.0M | $98.7M | $49.0M | $2.0M | 1.37% | 2.47% | 0.00% |
| Q4 2024 | $570.4M | $527.1M | $92.3M | $41.7M | $8.0M | 1.41% | 2.43% | 0.00% |
| Q3 2024 | $552.0M | $491.8M | $100.1M | $58.1M | $5.9M | 1.40% | 2.43% | 0.00% |
Loan mix (Q2 2026): real estate $53.2M · commercial $26.2M · consumer $1.4M · securities $476.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.79% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 12.4% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.90% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 35.0% | 61.2% | 3th |
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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