| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $371.7M | $303.6M | $305.0M | $48.9M | $2.6M | 1.41% | 4.48% | 0.90% |
| Q1 2026 | $371.0M | $298.5M | $293.0M | $47.7M | $1.2M | 1.28% | 4.38% | 0.94% |
| Q4 2025 | $361.5M | $289.7M | $289.0M | $46.7M | $4.3M | 1.24% | 4.28% | 1.15% |
| Q3 2025 | $356.8M | $296.7M | $281.8M | $46.4M | $3.2M | 1.23% | 4.19% | 0.00% |
| Q2 2025 | $349.0M | $290.3M | $273.1M | $44.9M | $1.8M | 1.07% | 4.05% | 0.05% |
| Q1 2025 | $352.3M | $295.0M | $263.2M | $43.8M | $715K | 0.84% | 3.83% | 0.10% |
| Q4 2024 | $330.3M | $273.2M | $258.0M | $43.1M | $3.5M | 1.09% | 3.94% | 0.15% |
| Q3 2024 | $328.1M | $272.1M | $250.2M | $42.8M | $2.5M | 1.03% | 3.86% | 0.13% |
Loan mix (Q2 2026): real estate $287.5M · commercial $10.6M · consumer $9.8M · securities $24.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.7% | 62.9% | 43th |
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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