| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.7 pts |
| Loan growth (YoY) | +21.4% | +5.6% | +15.8 pts |
| ROA | 1.48% | 1.24% | +0.2 pts |
| ROE | 13.9% | 11.9% | +2.0 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $425.7M | $374.8M | $335.0M | $45.1M | $3.1M | 1.48% | 4.69% | 0.76% |
| Q1 2026 | $412.5M | $363.5M | $315.4M | $43.7M | $1.4M | 1.39% | 4.66% | 1.02% |
| Q4 2025 | $397.0M | $340.8M | $306.1M | $43.0M | $5.0M | 1.35% | 4.43% | 1.07% |
| Q3 2025 | $381.3M | $332.3M | $292.4M | $43.0M | $3.9M | 1.41% | 4.35% | 0.94% |
| Q2 2025 | $385.6M | $338.7M | $276.0M | $41.5M | $2.5M | 1.41% | 4.26% | 0.96% |
| Q1 2025 | $363.0M | $317.6M | $268.2M | $40.5M | $1.2M | 1.40% | 4.29% | 1.48% |
| Q4 2024 | $336.9M | $283.9M | $254.4M | $38.1M | $4.8M | 1.39% | 4.03% | 1.58% |
| Q3 2024 | $346.1M | $281.8M | $259.6M | $39.9M | $3.7M | 1.41% | 4.04% | 1.45% |
Loan mix (Q2 2026): real estate $274.7M · commercial $27.0M · consumer $10.8M · securities $42.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.48% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 62.9% | 49th |
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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