| Metric | Central Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +10.7% | +4.0% | +6.8 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 0.84% | 1.24% | -0.4 pts |
| ROE | 9.6% | 11.9% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.8M | $325.2M | $327.5M | $35.4M | $1.6M | 0.84% | 3.54% | 0.03% |
| Q1 2026 | $389.7M | $319.5M | $323.1M | $32.7M | $678K | 0.72% | 3.46% | 0.26% |
| Q4 2025 | $368.6M | $301.1M | $311.8M | $32.1M | $2.5M | 0.70% | 3.43% | 0.31% |
| Q3 2025 | $363.4M | $296.4M | $307.9M | $31.2M | $1.6M | 0.61% | 3.35% | 0.22% |
| Q2 2025 | $359.2M | $293.8M | $298.9M | $30.4M | $1.1M | 0.61% | 3.33% | 0.22% |
| Q1 2025 | $352.4M | $283.7M | $293.8M | $29.9M | $479K | 0.55% | 3.34% | 0.35% |
| Q4 2024 | $343.3M | $278.7M | $293.1M | $29.1M | $1.2M | 0.38% | 3.13% | 0.37% |
| Q3 2024 | $329.6M | $264.5M | $274.6M | $29.6M | $889K | 0.38% | 3.10% | 0.41% |
Loan mix (Q2 2026): real estate $320.7M · commercial $8.5M · consumer $725K · securities $28.3M
| Ratio | Central Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.84% | 1.24% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.7% | 62.9% | 52th |
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 | Central 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 | Central 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 | Central 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 | Central 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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