| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.9% | +5.5 pts |
| Deposit growth (YoY) | +9.2% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +18.3% | +5.3% | +13.0 pts |
| ROA | 1.73% | 1.28% | +0.5 pts |
| ROE | 23.7% | 12.4% | +11.3 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 | $767.9M | $702.5M | $529.5M | $56.6M | $6.5M | 1.73% | 3.85% | 0.33% |
| Q1 2026 | $764.8M | $705.2M | $507.2M | $54.7M | $3.3M | 1.77% | 3.77% | 0.33% |
| Q4 2025 | $719.4M | $660.0M | $492.5M | $53.5M | $11.0M | 1.58% | 3.74% | 0.39% |
| Q3 2025 | $698.8M | $643.6M | $469.0M | $49.9M | $8.0M | 1.54% | 3.69% | 0.40% |
| Q2 2025 | $695.6M | $643.3M | $447.6M | $46.5M | $5.1M | 1.48% | 3.62% | 0.39% |
| Q1 2025 | $696.4M | $647.9M | $449.8M | $43.4M | $2.2M | 1.31% | 3.46% | 0.41% |
| Q4 2024 | $667.8M | $620.4M | $452.4M | $40.1M | $7.8M | 1.17% | 3.33% | 0.43% |
| Q3 2024 | $664.0M | $604.9M | $455.1M | $41.9M | $5.4M | 1.09% | 3.24% | 0.43% |
Loan mix (Q2 2026): real estate $413.9M · commercial $65.1M · consumer $16.4M · securities $121.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.28% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 23.7% | 12.4% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 61.2% | 37th |
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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