| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.9% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +22.0% | +5.6% | +16.5 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 34.9% | 11.9% | +23.0 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $142.9M | $137.9M | $85.3M | $4.0M | $710K | 0.99% | 3.51% | 0.00% |
| Q1 2026 | $142.6M | $137.8M | $81.8M | $3.8M | $404K | 1.13% | 3.47% | 0.27% |
| Q4 2025 | $143.0M | $137.7M | $78.7M | $4.4M | $1.0M | 0.73% | 3.43% | 0.21% |
| Q3 2025 | $142.3M | $137.3M | $74.8M | $4.0M | $824K | 0.80% | 3.41% | 0.26% |
| Q2 2025 | $137.8M | $134.0M | $69.9M | $2.8M | $562K | 0.82% | 3.34% | 0.04% |
| Q1 2025 | $140.4M | $137.1M | $68.4M | $2.3M | $211K | 0.62% | 3.27% | 0.00% |
| Q4 2024 | $132.2M | $130.2M | $67.8M | $1.2M | $1.1M | 0.79% | 3.37% | 0.00% |
| Q3 2024 | $134.9M | $130.9M | $68.4M | $3.0M | $624K | 0.62% | 3.25% | 0.17% |
Loan mix (Q2 2026): real estate $74.2M · commercial $10.1M · consumer $1.7M · securities $48.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 34.9% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.5% | 62.9% | 72th |
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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