| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 10.2% | 11.9% | -1.7 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $432.6M | $353.5M | $330.7M | $53.9M | $2.7M | 1.26% | 3.11% | 0.00% |
| Q1 2026 | $434.4M | $366.4M | $329.8M | $52.3M | $1.1M | 1.06% | 2.99% | 0.05% |
| Q4 2025 | $419.3M | $350.7M | $324.3M | $52.3M | $5.7M | 1.38% | 3.07% | 0.05% |
| Q3 2025 | $421.6M | $355.0M | $316.9M | $50.5M | $4.3M | 1.39% | 3.06% | 0.05% |
| Q2 2025 | $417.4M | $352.5M | $312.5M | $48.8M | $2.5M | 1.21% | 3.05% | 0.07% |
| Q1 2025 | $417.4M | $355.9M | $316.6M | $48.3M | $1.2M | 1.18% | 3.00% | 0.08% |
| Q4 2024 | $403.7M | $346.3M | $296.5M | $46.1M | $3.8M | 0.95% | 2.89% | 0.09% |
| Q3 2024 | $399.7M | $322.7M | $293.8M | $47.9M | $3.1M | 1.06% | 2.85% | 0.14% |
Loan mix (Q2 2026): real estate $257.0M · commercial $76.8M · consumer $201K · securities $68.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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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