| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -1.2% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +11.5% | +5.6% | +5.9 pts |
| ROA | 1.20% | 1.24% | -0.0 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $234.2M | $203.9M | $103.5M | $29.5M | $1.4M | 1.20% | 3.53% | 1.35% |
| Q1 2026 | $237.1M | $207.2M | $99.0M | $29.1M | $633K | 1.07% | 3.33% | 1.44% |
| Q4 2025 | $235.5M | $205.5M | $100.6M | $29.0M | $2.5M | 1.06% | 3.26% | 1.45% |
| Q3 2025 | $240.1M | $210.4M | $97.2M | $28.4M | $1.8M | 1.03% | 3.19% | 1.52% |
| Q2 2025 | $233.8M | $206.3M | $92.8M | $26.4M | $1.2M | 1.01% | 3.14% | 1.50% |
| Q1 2025 | $236.8M | $210.2M | $92.4M | $25.7M | $557K | 0.95% | 3.02% | 1.43% |
| Q4 2024 | $234.6M | $205.7M | $92.7M | $24.2M | $2.2M | 0.90% | 2.81% | 1.56% |
| Q3 2024 | $245.2M | $208.3M | $91.5M | $26.2M | $1.7M | 0.92% | 2.73% | 1.53% |
Loan mix (Q2 2026): real estate $91.6M · commercial $6.8M · consumer $5.8M · securities $112.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 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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