| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.6 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.0 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 21.1% | 11.9% | +9.3 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $305.3M | $273.1M | $253.1M | $27.4M | $2.8M | 1.92% | 5.33% | 0.16% |
| Q1 2026 | $297.4M | $266.4M | $244.1M | $26.5M | $1.3M | 1.83% | 5.35% | 0.14% |
| Q4 2025 | $278.2M | $247.4M | $237.3M | $26.1M | $5.4M | 1.96% | 5.47% | 0.54% |
| Q3 2025 | $277.2M | $245.6M | $227.6M | $25.8M | $4.1M | 1.98% | 5.40% | 1.20% |
| Q2 2025 | $278.1M | $247.0M | $224.8M | $25.6M | $2.8M | 2.04% | 5.35% | 1.26% |
| Q1 2025 | $271.2M | $240.6M | $224.8M | $25.4M | $1.4M | 2.15% | 5.30% | 1.22% |
| Q4 2024 | $265.2M | $235.9M | $217.6M | $25.0M | $4.5M | 1.71% | 5.19% | 1.22% |
| Q3 2024 | $259.5M | $230.5M | $215.0M | $25.0M | $3.6M | 1.81% | 5.10% | 1.49% |
Loan mix (Q2 2026): real estate $227.8M · commercial $13.6M · consumer $7.1M · securities $874K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 62.9% | 26th |
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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