| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.9% | +1.9 pts |
| Deposit growth (YoY) | +3.9% | +4.3% | -0.5 pts |
| Loan growth (YoY) | +16.5% | +5.3% | +11.2 pts |
| ROA | 1.53% | 1.28% | +0.3 pts |
| ROE | 18.4% | 12.4% | +5.9 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $524.9M | $447.1M | $326.5M | $46.2M | $4.0M | 1.53% | 3.45% | 0.07% |
| Q1 2026 | $529.0M | $457.0M | $329.7M | $42.5M | $2.0M | 1.48% | 3.39% | 0.08% |
| Q4 2025 | $523.5M | $448.3M | $317.5M | $43.0M | $6.4M | 1.29% | 3.05% | 0.03% |
| Q3 2025 | $511.7M | $445.5M | $302.4M | $42.2M | $4.7M | 1.27% | 2.97% | 0.03% |
| Q2 2025 | $491.5M | $430.6M | $280.3M | $37.0M | $2.9M | 1.20% | 2.92% | 0.03% |
| Q1 2025 | $493.3M | $432.5M | $277.8M | $36.9M | $1.4M | 1.14% | 2.79% | 0.05% |
| Q4 2024 | $483.0M | $423.7M | $273.2M | $35.9M | $4.7M | 1.00% | 2.54% | 0.07% |
| Q3 2024 | $469.1M | $394.2M | $266.2M | $40.3M | $3.4M | 0.99% | 2.52% | 0.10% |
Loan mix (Q2 2026): real estate $224.1M · commercial $75.9M · consumer $13.0M · securities $164.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.28% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 18.4% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 61.2% | 19th |
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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