| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.8% | +4.4% | +7.4 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +17.5% | +5.6% | +11.9 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 16.0% | 11.9% | +4.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.8M | $297.6M | $313.5M | $46.1M | $3.6M | 1.85% | 4.70% | 0.04% |
| Q1 2026 | $378.1M | $307.4M | $300.4M | $44.2M | $1.7M | 1.83% | 4.59% | 0.04% |
| Q4 2025 | $386.2M | $317.2M | $291.7M | $43.1M | $5.9M | 1.67% | 4.48% | 0.05% |
| Q3 2025 | $351.3M | $294.2M | $280.0M | $41.5M | $4.3M | 1.69% | 4.47% | 0.04% |
| Q2 2025 | $345.1M | $289.8M | $266.8M | $40.1M | $2.8M | 1.67% | 4.43% | 0.04% |
| Q1 2025 | $340.2M | $287.3M | $259.8M | $39.0M | $1.4M | 1.67% | 4.41% | 0.05% |
| Q4 2024 | $331.9M | $280.4M | $260.2M | $37.8M | $4.1M | 1.31% | 4.18% | 0.05% |
| Q3 2024 | $313.5M | $264.8M | $249.6M | $37.3M | $2.9M | 1.29% | 4.13% | 0.09% |
Loan mix (Q2 2026): real estate $288.6M · commercial $22.2M · consumer $3.9M · securities $40.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 62.9% | 14th |
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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