| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.7% | +4.4% | -13.0 pts |
| Deposit growth (YoY) | -10.4% | +4.0% | -14.3 pts |
| Loan growth (YoY) | +15.1% | +5.6% | +9.5 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 14.9% | 11.9% | +3.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $170.2M | $152.3M | $102.4M | $17.4M | $1.3M | 1.38% | 3.76% | 0.00% |
| Q1 2026 | $187.2M | $169.9M | $96.0M | $16.8M | $548K | 1.15% | 3.57% | 0.00% |
| Q4 2025 | $194.7M | $176.9M | $94.4M | $17.2M | $2.4M | 1.34% | 3.63% | 0.00% |
| Q3 2025 | $177.8M | $160.3M | $93.1M | $16.8M | $2.2M | 1.65% | 3.76% | 0.00% |
| Q2 2025 | $186.4M | $170.0M | $88.9M | $15.9M | $1.6M | 1.79% | 3.94% | 0.00% |
| Q1 2025 | $191.8M | $176.8M | $82.9M | $14.9M | $760K | 1.79% | 3.86% | 0.00% |
| Q4 2024 | $147.0M | $132.6M | $77.6M | $14.2M | $1.7M | 1.23% | 4.00% | 0.00% |
| Q3 2024 | $136.2M | $121.5M | $72.2M | $14.5M | $1.4M | 1.35% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $87.2M · commercial $9.7M · consumer $641K · securities $37.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th |
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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