| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +26.1% | +4.4% | +21.7 pts |
| Deposit growth (YoY) | +28.3% | +4.0% | +24.4 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.4M | $230.9M | $113.5M | $20.9M | $1.1M | 0.87% | 4.02% | 2.44% |
| Q1 2026 | $230.8M | $208.9M | $106.3M | $20.4M | $541K | 0.92% | 3.99% | 2.82% |
| Q4 2025 | $239.4M | $216.5M | $102.9M | $21.0M | $2.4M | 1.11% | 4.22% | 2.77% |
| Q3 2025 | $250.1M | $228.0M | $102.9M | $20.1M | $1.7M | 1.08% | 4.26% | 2.06% |
| Q2 2025 | $201.0M | $179.9M | $105.7M | $19.4M | $1.1M | 1.20% | 4.38% | 1.58% |
| Q1 2025 | $182.0M | $161.9M | $107.4M | $18.4M | $503K | 1.09% | 4.13% | 3.34% |
| Q4 2024 | $187.9M | $168.1M | $96.7M | $17.7M | $1.8M | 0.93% | 3.83% | 3.24% |
| Q3 2024 | $198.2M | $178.2M | $90.6M | $18.0M | $1.4M | 0.96% | 3.65% | 3.07% |
Loan mix (Q2 2026): real estate $100.0M · commercial $14.2M · consumer $36K · securities $85.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 62.9% | 76th |
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.