| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +21.6% | +5.6% | +16.0 pts |
| ROA | 2.47% | 1.24% | +1.2 pts |
| ROE | 19.2% | 11.9% | +7.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $353.7M | $304.8M | $192.0M | $46.7M | $4.3M | 2.47% | 3.97% | 0.37% |
| Q1 2026 | $357.2M | $311.1M | $179.4M | $44.0M | $2.0M | 2.26% | 3.75% | 0.46% |
| Q4 2025 | $343.2M | $296.6M | $175.2M | $44.6M | $7.9M | 2.35% | 3.75% | 0.49% |
| Q3 2025 | $338.5M | $289.9M | $166.5M | $46.3M | $5.1M | 2.05% | 3.67% | 0.69% |
| Q2 2025 | $329.0M | $285.4M | $157.9M | $41.3M | $3.2M | 1.97% | 3.64% | 1.18% |
| Q1 2025 | $336.8M | $294.1M | $159.6M | $40.5M | $1.5M | 1.79% | 3.52% | 0.73% |
| Q4 2024 | $323.5M | $281.7M | $173.7M | $39.6M | $6.8M | 2.06% | 3.49% | 0.78% |
| Q3 2024 | $323.3M | $276.8M | $180.4M | $43.8M | $5.0M | 2.02% | 3.47% | 0.80% |
Loan mix (Q2 2026): real estate $139.0M · commercial $20.1M · consumer $11.4M · securities $119.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.47% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.9% | 62.9% | 11th |
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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