| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 18.0% | 11.9% | +6.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $334.1M | $303.8M | $244.3M | $29.3M | $2.6M | 1.55% | 4.66% | 0.24% |
| Q1 2026 | $329.7M | $300.8M | $250.2M | $28.2M | $1.3M | 1.53% | 4.61% | 0.18% |
| Q4 2025 | $333.3M | $298.3M | $250.6M | $28.5M | $5.3M | 1.62% | 4.79% | 0.88% |
| Q3 2025 | $325.4M | $295.3M | $243.2M | $26.9M | $4.4M | 1.80% | 4.79% | 1.41% |
| Q2 2025 | $328.4M | $302.6M | $241.0M | $25.0M | $3.0M | 1.85% | 4.76% | 1.51% |
| Q1 2025 | $328.8M | $303.4M | $224.3M | $24.8M | $1.8M | 2.20% | 4.52% | 0.35% |
| Q4 2024 | $330.4M | $305.9M | $220.7M | $23.8M | $4.6M | 1.50% | 4.15% | 0.46% |
| Q3 2024 | $303.2M | $277.7M | $200.4M | $24.5M | $3.5M | 1.58% | 4.16% | 0.35% |
Loan mix (Q2 2026): real estate $184.0M · commercial $46.9M · consumer $10.1M · securities $60.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 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% |
The full ratio pack is part of CharterBench Pro.