| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +5.5% | -1.1 pts |
| Deposit growth (YoY) | +9.6% | +5.1% | +4.6 pts |
| Loan growth (YoY) | +20.2% | +5.9% | +14.3 pts |
| ROA | 0.15% | 1.26% | -1.1 pts |
| ROE | 1.0% | 12.2% | -11.2 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $790.8M | $634.9M | $167.1M | $813K | 0.15% | 2.46% | 1.47% |
| Q1 2026 | $1.02B | $761.7M | $638.4M | $166.4M | $637K | 0.24% | 2.45% | 1.55% |
| Q4 2025 | $1.09B | $811.9M | $584.8M | $171.9M | $10.0M | 0.94% | 3.01% | 1.45% |
| Q3 2025 | $1.06B | $769.7M | $588.0M | $170.4M | $8.6M | 1.09% | 3.15% | 1.73% |
| Q2 2025 | $1.01B | $721.5M | $528.2M | $168.8M | $8.2M | 1.55% | 3.41% | 1.81% |
| Q1 2025 | $1.05B | $737.7M | $503.2M | $166.7M | $6.0M | 2.22% | 4.21% | 1.70% |
| Q4 2024 | $1.11B | $782.5M | $512.1M | $165.3M | $13.2M | 1.17% | 3.08% | 2.09% |
| Q3 2024 | $1.07B | $721.1M | $521.5M | $162.9M | $10.0M | 1.18% | 3.15% | 1.93% |
Loan mix (Q2 2026): real estate $531.4M · commercial $88.1M · consumer $692K · securities $187.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.15% | 1.26% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | 1.0% | 12.2% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.5% | 59.0% | 99th |
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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