| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +333.0% | +4.9% | +328.1 pts |
| Deposit growth (YoY) | +564.7% | +4.3% | +560.4 pts |
| Loan growth (YoY) | +388.9% | +5.3% | +383.5 pts |
| ROA | 1.23% | 1.28% | -0.0 pts |
| ROE | 5.4% | 12.4% | -7.0 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $911.9M | $675.8M | $577.4M | $187.7M | $5.0M | 1.23% | 2.96% | 0.07% |
| Q1 2026 | $782.9M | $557.4M | $472.6M | $184.9M | $2.2M | 1.16% | 2.90% | 0.01% |
| Q4 2025 | $747.7M | $531.5M | $387.6M | $182.7M | $3.3M | 1.02% | 3.75% | 0.01% |
| Q3 2025 | $297.6M | $102.5M | $162.7M | $180.6M | $1.3M | 0.79% | 4.60% | 0.02% |
| Q2 2025 | $210.6M | $101.7M | $118.1M | $99.0M | $276K | 0.30% | 4.41% | 0.06% |
| Q1 2025 | $170.7M | $54.3M | $88.9M | $98.8M | $-14K | -0.03% | 4.20% | 0.04% |
| Q4 2024 | $177.8M | $65.4M | $44.2M | $97.5M | $379K | 0.33% | 1.92% | 0.08% |
| Q3 2024 | $161.6M | $63.5M | $53.3M | $97.4M | $283K | 0.38% | 0.73% | 0.04% |
Loan mix (Q2 2026): real estate $0 · commercial $577.4M · consumer $0 · securities $257.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.28% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 12.4% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.0% | 61.2% | 7th |
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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