| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +4.4% | +9.9 pts |
| Deposit growth (YoY) | +14.6% | +4.0% | +10.6 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.7 pts |
| ROA | 2.22% | 1.24% | +1.0 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $243.5M | $202.0M | $180.0M | $38.6M | $2.6M | 2.22% | 3.95% | 0.82% |
| Q1 2026 | $235.8M | $195.9M | $172.2M | $37.1M | $1.3M | 2.19% | 3.90% | 0.79% |
| Q4 2025 | $222.9M | $184.4M | $170.3M | $36.2M | $3.7M | 1.72% | 3.72% | 0.84% |
| Q3 2025 | $216.2M | $178.0M | $160.7M | $36.1M | $2.8M | 1.77% | 3.55% | 0.89% |
| Q2 2025 | $213.2M | $176.3M | $153.6M | $34.4M | $1.8M | 1.73% | 3.48% | 0.84% |
| Q1 2025 | $211.4M | $175.5M | $151.2M | $33.6M | $858K | 1.66% | 3.42% | 0.88% |
| Q4 2024 | $203.2M | $168.8M | $147.9M | $32.6M | $3.0M | 1.54% | 3.32% | 0.97% |
| Q3 2024 | $197.4M | $162.4M | $144.5M | $33.2M | $2.4M | 1.61% | 3.29% | 1.06% |
Loan mix (Q2 2026): real estate $167.4M · commercial $5.2M · consumer $2.5M · securities $33.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.3% | 62.9% | 2th |
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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