| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +3.0% | +3.1 pts |
| Deposit growth (YoY) | +5.5% | +2.5% | +3.0 pts |
| Loan growth (YoY) | +4.2% | +2.6% | +1.6 pts |
| ROA | 0.73% | 0.99% | -0.3 pts |
| ROE | 5.0% | 8.1% | -3.1 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $43.6M | $37.1M | $27.1M | $6.2M | $154K | 0.73% | 3.74% | 0.00% |
| Q1 2026 | $42.6M | $36.2M | $26.5M | $6.1M | $69K | 0.66% | 3.68% | 0.00% |
| Q4 2025 | $40.5M | $34.2M | $26.3M | $6.1M | $275K | 0.68% | 3.84% | 0.00% |
| Q3 2025 | $41.3M | $35.1M | $25.4M | $6.0M | $196K | 0.65% | 3.76% | 0.38% |
| Q2 2025 | $41.1M | $35.1M | $26.0M | $5.7M | $123K | 0.62% | 3.70% | 0.39% |
| Q1 2025 | $39.7M | $33.9M | $24.7M | $5.7M | $45K | 0.46% | 3.61% | 0.41% |
| Q4 2024 | $38.8M | $33.0M | $24.7M | $5.6M | $210K | 0.53% | 3.69% | 0.43% |
| Q3 2024 | $40.0M | $33.9M | $24.7M | $5.8M | $174K | 0.59% | 3.69% | 0.44% |
Loan mix (Q2 2026): real estate $25.9M · commercial $32K · consumer $1.4M · securities $9.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Carrollton Federal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.99% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 8.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 70.8% | 62th |
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 | Carrollton Federal Bank | 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 | Carrollton Federal Bank | 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 | Carrollton Federal Bank | 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 | Carrollton Federal Bank | 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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