| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | 0.0% | +4.0% | -4.0 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 21.9% | 11.9% | +10.0 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $456.6M | $355.1M | $354.9M | $35.0M | $3.7M | 1.64% | 4.30% | 0.26% |
| Q1 2026 | $455.2M | $355.9M | $352.6M | $33.6M | $1.8M | 1.61% | 4.26% | 1.82% |
| Q4 2025 | $440.8M | $354.8M | $335.6M | $33.1M | $5.2M | 1.22% | 4.08% | 0.43% |
| Q3 2025 | $428.7M | $366.7M | $317.4M | $30.7M | $3.7M | 1.17% | 3.95% | 0.14% |
| Q2 2025 | $423.1M | $355.0M | $308.2M | $28.4M | $2.3M | 1.09% | 3.82% | 0.07% |
| Q1 2025 | $415.3M | $339.4M | $303.1M | $27.3M | $1.2M | 1.14% | 3.70% | 0.25% |
| Q4 2024 | $409.2M | $336.4M | $303.0M | $25.4M | $3.9M | 0.96% | 3.60% | 0.09% |
| Q3 2024 | $413.3M | $318.7M | $297.9M | $27.6M | $2.8M | 0.93% | 3.49% | 0.06% |
Loan mix (Q2 2026): real estate $299.7M · commercial $51.1M · consumer $3.0M · securities $61.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 21.9% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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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