| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.8M | $114.4M | $90.4M | $12.3M | $577K | 0.84% | 3.78% | 0.53% |
| Q1 2026 | $137.6M | $113.4M | $89.0M | $11.7M | $289K | 0.84% | 3.72% | 0.39% |
| Q4 2025 | $137.4M | $113.0M | $87.4M | $11.8M | $1.1M | 0.85% | 3.66% | 0.45% |
| Q3 2025 | $133.4M | $110.3M | $84.3M | $11.6M | $918K | 0.93% | 3.64% | 0.26% |
| Q2 2025 | $132.5M | $110.0M | $80.9M | $10.8M | $617K | 0.94% | 3.63% | 0.37% |
| Q1 2025 | $134.2M | $112.8M | $80.2M | $10.6M | $297K | 0.91% | 3.53% | 0.27% |
| Q4 2024 | $127.5M | $106.4M | $77.2M | $10.1M | $1.1M | 0.86% | 3.36% | 0.41% |
| Q3 2024 | $128.3M | $106.3M | $75.4M | $10.4M | $782K | 0.83% | 3.30% | 0.33% |
Loan mix (Q2 2026): real estate $82.8M · commercial $2.8M · consumer $1.7M · securities $32.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.2% | 62.9% | 77th |
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% |
The full ratio pack is part of CharterBench Pro.