| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 18.6% | 11.9% | +6.8 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $267.0M | $221.7M | $191.2M | $26.8M | $2.4M | 1.83% | 4.30% | 0.34% |
| Q1 2026 | $258.1M | $222.9M | $189.4M | $26.0M | $1.2M | 1.80% | 4.24% | 0.17% |
| Q4 2025 | $271.8M | $228.0M | $185.0M | $25.7M | $3.8M | 1.48% | 4.14% | 0.18% |
| Q3 2025 | $253.5M | $205.5M | $180.3M | $25.6M | $3.2M | 1.67% | 4.15% | 0.05% |
| Q2 2025 | $248.7M | $208.1M | $176.7M | $24.0M | $2.1M | 1.70% | 4.13% | 0.04% |
| Q1 2025 | $255.5M | $215.2M | $171.6M | $23.4M | $1.1M | 1.77% | 4.05% | 0.04% |
| Q4 2024 | $249.9M | $221.5M | $166.2M | $21.6M | $3.1M | 1.25% | 3.91% | 0.03% |
| Q3 2024 | $243.6M | $207.8M | $168.8M | $23.2M | $2.3M | 1.28% | 3.88% | 0.07% |
Loan mix (Q2 2026): real estate $171.7M · commercial $14.5M · consumer $5.7M · securities $47.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 11.9% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 62.9% | 34th |
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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