| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +6.5% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.8 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 6.6% | 11.9% | -5.2 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 | $121.8M | $103.5M | $78.5M | $15.8M | $519K | 0.87% | 4.09% | 0.97% |
| Q1 2026 | $119.6M | $101.7M | $78.8M | $15.5M | $229K | 0.77% | 3.97% | 0.84% |
| Q4 2025 | $118.2M | $97.8M | $76.2M | $15.7M | $938K | 0.81% | 3.87% | 1.22% |
| Q3 2025 | $118.6M | $98.4M | $77.6M | $15.4M | $728K | 0.84% | 3.84% | 0.88% |
| Q2 2025 | $116.9M | $97.2M | $76.4M | $15.0M | $396K | 0.69% | 3.68% | 1.60% |
| Q1 2025 | $113.6M | $94.2M | $76.1M | $14.7M | $202K | 0.72% | 3.59% | 1.58% |
| Q4 2024 | $111.6M | $92.2M | $76.6M | $14.2M | $793K | 0.70% | 3.55% | 1.82% |
| Q3 2024 | $114.6M | $95.0M | $73.6M | $14.8M | $578K | 0.68% | 3.49% | 1.19% |
Loan mix (Q2 2026): real estate $71.3M · commercial $182K · consumer $7.8M · securities $25.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.09% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 62.9% | 75th |
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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