| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +19.5% | +4.0% | +15.5 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.3M | $114.5M | $112.1M | $11.3M | $868K | 1.40% | 4.38% | 1.53% |
| Q1 2026 | $123.2M | $111.8M | $112.0M | $11.0M | $375K | 1.23% | 4.46% | 1.52% |
| Q4 2025 | $121.4M | $109.3M | $112.2M | $10.8M | $1.3M | 1.08% | 4.18% | 1.07% |
| Q3 2025 | $120.1M | $91.5M | $111.0M | $10.7M | $1.1M | 1.21% | 4.11% | 1.02% |
| Q2 2025 | $120.2M | $95.8M | $110.8M | $10.4M | $794K | 1.32% | 4.09% | 1.00% |
| Q1 2025 | $120.7M | $97.4M | $111.0M | $10.0M | $375K | 1.25% | 3.97% | 1.41% |
| Q4 2024 | $120.1M | $97.7M | $111.2M | $9.7M | $982K | 0.82% | 3.73% | 0.51% |
| Q3 2024 | $119.2M | $97.0M | $110.5M | $9.6M | $692K | 0.77% | 3.64% | 0.70% |
Loan mix (Q2 2026): real estate $94.0M · commercial $7.5M · consumer $3.8M · securities $4.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
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 | 65.6% | 62.9% | 58th |
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.