| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +3.0% | +2.6 pts |
| Deposit growth (YoY) | +13.9% | +2.5% | +11.4 pts |
| Loan growth (YoY) | +7.6% | +2.6% | +5.0 pts |
| ROA | 1.20% | 0.99% | +0.2 pts |
| ROE | 13.2% | 8.1% | +5.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.8M | $59.5M | $63.5M | $7.0M | $459K | 1.20% | 3.62% | 0.05% |
| Q1 2026 | $74.6M | $59.6M | $61.3M | $6.9M | $214K | 1.10% | 3.48% | 0.19% |
| Q4 2025 | $80.4M | $65.3M | $60.3M | $6.9M | $720K | 0.98% | 3.31% | 0.05% |
| Q3 2025 | $72.4M | $57.1M | $60.2M | $6.7M | $493K | 0.91% | 3.28% | 0.11% |
| Q2 2025 | $70.8M | $52.2M | $59.0M | $6.4M | $265K | 0.74% | 3.15% | 0.01% |
| Q1 2025 | $74.3M | $59.5M | $56.5M | $6.6M | $178K | 0.98% | 3.26% | 0.01% |
| Q4 2024 | $70.7M | $56.0M | $56.5M | $6.5M | $367K | 0.50% | 3.04% | 0.01% |
| Q3 2024 | $72.1M | $58.4M | $56.8M | $6.5M | $218K | 0.39% | 2.97% | 0.00% |
Loan mix (Q2 2026): real estate $50.8M · commercial $3.8M · consumer $1.7M · securities $6.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.20% | 0.99% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 70.8% | 39th |
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% |
The full ratio pack is part of CharterBench Pro.