| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +3.0% | +0.1 pts |
| Deposit growth (YoY) | +2.5% | +2.5% | +0.0 pts |
| Loan growth (YoY) | -8.2% | +2.6% | -10.8 pts |
| ROA | 2.12% | 0.99% | +1.1 pts |
| ROE | 20.8% | 8.1% | +12.8 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.4M | $85.7M | $28.1M | $10.3M | $1.0M | 2.12% | 3.96% | 0.50% |
| Q1 2026 | $100.3M | $89.2M | $28.6M | $9.8M | $512K | 2.14% | 3.86% | 0.49% |
| Q4 2025 | $91.4M | $80.6M | $29.3M | $9.4M | $601K | 0.65% | 3.80% | 0.53% |
| Q3 2025 | $94.6M | $82.8M | $31.2M | $10.4M | $1.3M | 1.84% | 3.76% | 0.00% |
| Q2 2025 | $94.4M | $83.6M | $30.6M | $9.3M | $845K | 1.81% | 3.69% | 0.00% |
| Q1 2025 | $97.3M | $87.1M | $29.9M | $8.8M | $404K | 1.75% | 3.53% | 0.00% |
| Q4 2024 | $87.8M | $78.1M | $27.8M | $8.2M | $486K | 0.56% | 3.33% | 0.00% |
| Q3 2024 | $87.6M | $77.6M | $27.6M | $9.4M | $830K | 1.27% | 3.27% | 0.00% |
Loan mix (Q2 2026): real estate $16.4M · commercial $7.3M · consumer $3.5M · securities $54.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 0.99% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 20.8% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.2% | 70.8% | 6th |
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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