| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.7M | $188.3M | $141.6M | $21.6M | $1.5M | 1.38% | 4.38% | 0.40% |
| Q1 2026 | $210.3M | $187.3M | $135.4M | $21.2M | $645K | 1.22% | 4.20% | 0.37% |
| Q4 2025 | $212.9M | $190.6M | $137.6M | $20.7M | $2.0M | 0.97% | 4.18% | 0.44% |
| Q3 2025 | $205.1M | $183.2M | $134.1M | $20.3M | $1.4M | 0.93% | 4.14% | 0.37% |
| Q2 2025 | $201.4M | $180.1M | $131.7M | $19.6M | $868K | 0.87% | 4.08% | 0.32% |
| Q1 2025 | $199.4M | $178.7M | $128.5M | $19.1M | $304K | 0.61% | 3.99% | 0.34% |
| Q4 2024 | $198.3M | $178.3M | $129.2M | $18.5M | $1.4M | 0.73% | 3.99% | 0.33% |
| Q3 2024 | $187.6M | $167.5M | $130.0M | $18.5M | $733K | 0.53% | 3.97% | 0.22% |
Loan mix (Q2 2026): real estate $114.1M · commercial $6.8M · consumer $22.3M · securities $47.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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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