| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.7% | +4.4% | -7.1 pts |
| Deposit growth (YoY) | -3.1% | +4.0% | -7.1 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 16.0% | 11.9% | +4.2 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $264.6M | $237.3M | $150.9M | $26.7M | $2.1M | 1.62% | 4.86% | 0.67% |
| Q1 2026 | $261.8M | $234.6M | $150.6M | $26.6M | $989K | 1.50% | 4.79% | 0.74% |
| Q4 2025 | $265.9M | $238.7M | $153.6M | $26.7M | $4.5M | 1.70% | 5.00% | 0.80% |
| Q3 2025 | $262.8M | $235.4M | $156.9M | $26.8M | $3.6M | 1.78% | 5.08% | 0.70% |
| Q2 2025 | $272.0M | $244.9M | $157.7M | $26.4M | $2.4M | 1.80% | 4.93% | 0.62% |
| Q1 2025 | $267.1M | $240.0M | $162.8M | $26.4M | $1.4M | 2.05% | 4.96% | 0.88% |
| Q4 2024 | $263.7M | $236.8M | $165.2M | $26.2M | $4.4M | 1.84% | 5.47% | 0.50% |
| Q3 2024 | $252.6M | $226.3M | $160.0M | $25.6M | $3.2M | 1.82% | 5.65% | 0.49% |
Loan mix (Q2 2026): real estate $108.6M · commercial $13.6M · consumer $30.1M · securities $23.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 16.0% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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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