| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $278.4M | $245.4M | $60.3M | $32.0M | $1.9M | 1.42% | 4.32% | 2.24% |
| Q1 2026 | $264.6M | $229.7M | $61.4M | $34.0M | $881K | 1.32% | 4.26% | 1.15% |
| Q4 2025 | $270.9M | $235.9M | $62.2M | $33.9M | $4.0M | 1.52% | 4.54% | 0.82% |
| Q3 2025 | $265.9M | $232.0M | $60.5M | $32.7M | $3.1M | 1.61% | 4.51% | 0.33% |
| Q2 2025 | $273.4M | $241.1M | $58.2M | $31.2M | $2.0M | 1.57% | 4.49% | 0.31% |
| Q1 2025 | $246.2M | $213.4M | $57.4M | $31.8M | $949K | 1.53% | 4.34% | 0.34% |
| Q4 2024 | $249.2M | $218.1M | $58.1M | $29.9M | $3.8M | 1.67% | 4.58% | 0.18% |
| Q3 2024 | $235.7M | $204.3M | $57.3M | $29.8M | $2.7M | 1.64% | 4.58% | 0.19% |
Loan mix (Q2 2026): real estate $29.0M · commercial $11.7M · consumer $21.9M · securities $112.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 62.9% | 54th |
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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