| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +3.0% | +6.1 pts |
| Deposit growth (YoY) | +8.7% | +2.5% | +6.3 pts |
| Loan growth (YoY) | +28.0% | +2.6% | +25.4 pts |
| ROA | 0.55% | 0.99% | -0.4 pts |
| ROE | 7.0% | 8.1% | -1.1 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.6M | $66.5M | $44.8M | $5.9M | $203K | 0.55% | 5.07% | 0.02% |
| Q1 2026 | $73.2M | $66.8M | $42.1M | $5.8M | $96K | 0.51% | 4.87% | 0.02% |
| Q4 2025 | $76.6M | $70.7M | $37.0M | $5.8M | $313K | 0.47% | 4.80% | 0.06% |
| Q3 2025 | $69.6M | $63.7M | $35.2M | $5.6M | $189K | 0.39% | 4.88% | 0.13% |
| Q2 2025 | $66.6M | $61.2M | $35.0M | $5.2M | $113K | 0.36% | 4.88% | 0.10% |
| Q1 2025 | $63.6M | $58.3M | $34.3M | $5.1M | $14K | 0.09% | 4.66% | 0.04% |
| Q4 2024 | $57.7M | $52.6M | $33.3M | $4.9M | $-236K | -0.40% | 4.58% | 0.04% |
| Q3 2024 | $61.0M | $55.6M | $30.6M | $5.2M | $-270K | -0.61% | 4.53% | 0.09% |
Loan mix (Q2 2026): real estate $39.5M · commercial $3.6M · consumer $2.2M · securities $17.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.07% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 84.6% | 70.8% | 77th |
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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