| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +4.4% | +14.6 pts |
| Deposit growth (YoY) | +22.8% | +4.0% | +18.8 pts |
| Loan growth (YoY) | +13.0% | +5.6% | +7.4 pts |
| ROA | 1.72% | 1.24% | +0.5 pts |
| ROE | 14.5% | 11.9% | +2.7 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $330.3M | $283.1M | $256.5M | $38.7M | $2.7M | 1.72% | 4.16% | 0.97% |
| Q1 2026 | $312.9M | $266.9M | $251.4M | $37.4M | $1.3M | 1.65% | 4.08% | 0.82% |
| Q4 2025 | $307.2M | $261.5M | $243.6M | $36.6M | $4.4M | 1.53% | 3.88% | 0.77% |
| Q3 2025 | $293.8M | $248.1M | $226.2M | $36.6M | $3.5M | 1.64% | 3.85% | 0.86% |
| Q2 2025 | $277.7M | $230.6M | $227.0M | $35.9M | $2.1M | 1.52% | 3.79% | 0.92% |
| Q1 2025 | $279.8M | $231.6M | $227.1M | $35.3M | $980K | 1.40% | 3.68% | 1.01% |
| Q4 2024 | $281.7M | $236.3M | $224.1M | $34.7M | $3.1M | 1.16% | 3.38% | 0.67% |
| Q3 2024 | $272.6M | $227.3M | $215.3M | $34.7M | $2.2M | 1.10% | 3.32% | 0.77% |
Loan mix (Q2 2026): real estate $207.1M · commercial $32.1M · consumer $8.0M · securities $15.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.72% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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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