| Metric | CentreBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.1% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +7.6% | +4.0% | +3.6 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.0M | $99.1M | $90.2M | $20.5M | $1.1M | 1.86% | 5.92% | 0.25% |
| Q1 2026 | $118.4M | $98.2M | $92.7M | $19.8M | $386K | 1.34% | 6.04% | 0.32% |
| Q4 2025 | $111.5M | $91.7M | $90.6M | $19.5M | $1.9M | 1.73% | 6.07% | 0.30% |
| Q3 2025 | $113.3M | $93.8M | $86.5M | $19.0M | $1.4M | 1.77% | 6.01% | 0.27% |
| Q2 2025 | $110.9M | $92.1M | $84.2M | $18.5M | $967K | 1.80% | 5.97% | 0.46% |
| Q1 2025 | $107.5M | $88.9M | $77.6M | $18.0M | $436K | 1.64% | 5.87% | 0.06% |
| Q4 2024 | $104.6M | $86.7M | $72.6M | $17.6M | $1.8M | 1.73% | 6.18% | 0.56% |
| Q3 2024 | $102.0M | $84.6M | $69.9M | $17.1M | $1.3M | 1.73% | 6.22% | 0.42% |
Loan mix (Q2 2026): real estate $68.2M · commercial $16.3M · consumer $4.0M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | CentreBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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 | CentreBank | 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 | CentreBank | 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 | CentreBank | 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 | CentreBank | 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.