| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +13.5% | +5.6% | +7.9 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.2M | $146.2M | $121.6M | $16.8M | $1.3M | 1.50% | 3.01% | 0.03% |
| Q1 2026 | $172.3M | $147.2M | $122.7M | $15.7M | $672K | 1.56% | 2.97% | 0.24% |
| Q4 2025 | $172.0M | $139.2M | $115.5M | $15.5M | $1.8M | 1.13% | 2.77% | 0.57% |
| Q3 2025 | $165.7M | $138.8M | $110.2M | $15.7M | $1.7M | 1.38% | 2.74% | 0.81% |
| Q2 2025 | $162.7M | $137.3M | $107.1M | $14.2M | $1.1M | 1.44% | 2.73% | 0.21% |
| Q1 2025 | $160.5M | $138.1M | $107.5M | $13.3M | $532K | 1.35% | 2.71% | 1.04% |
| Q4 2024 | $155.1M | $132.7M | $104.2M | $12.7M | $1.3M | 0.86% | 2.26% | 0.99% |
| Q3 2024 | $150.8M | $124.7M | $99.6M | $13.9M | $900K | 0.81% | 2.20% | 0.44% |
Loan mix (Q2 2026): real estate $77.9M · commercial $15.3M · consumer $4.3M · securities $42.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 27.9% | 62.9% | 1th |
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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