| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +4.9% | +3.9 pts |
| Deposit growth (YoY) | +6.9% | +4.3% | +2.6 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.4 pts |
| ROA | 1.31% | 1.28% | +0.0 pts |
| ROE | 12.6% | 12.4% | +0.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $625.2M | $538.1M | $386.9M | $66.4M | $4.1M | 1.31% | 4.32% | 0.63% |
| Q1 2026 | $639.7M | $555.0M | $375.9M | $64.6M | $2.0M | 1.29% | 4.20% | 0.53% |
| Q4 2025 | $608.5M | $523.8M | $375.9M | $63.7M | $5.7M | 0.98% | 4.35% | 0.48% |
| Q3 2025 | $589.2M | $513.2M | $374.4M | $64.6M | $3.8M | 0.89% | 4.35% | 0.43% |
| Q2 2025 | $574.8M | $503.3M | $365.8M | $61.4M | $2.1M | 0.73% | 4.31% | 0.48% |
| Q1 2025 | $578.9M | $508.6M | $367.0M | $61.2M | $968K | 0.68% | 4.13% | 1.40% |
| Q4 2024 | $558.1M | $466.1M | $368.7M | $59.3M | $5.1M | 0.89% | 3.95% | 1.56% |
| Q3 2024 | $584.2M | $499.1M | $369.3M | $64.0M | $3.9M | 0.90% | 3.87% | 1.41% |
Loan mix (Q2 2026): real estate $346.7M · commercial $41.0M · consumer $4.6M · securities $180.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 12.4% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 61.2% | 66th |
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% |
The full ratio pack is part of CharterBench Pro.