| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.4% | +4.4% | +9.1 pts |
| Deposit growth (YoY) | +10.2% | +4.0% | +6.2 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.3 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 15.4% | 11.9% | +3.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $173.0M | $156.9M | $53.6M | $10.3M | $794K | 0.94% | 2.99% | 0.06% |
| Q1 2026 | $166.8M | $151.2M | $52.9M | $10.0M | $376K | 0.90% | 2.93% | 0.08% |
| Q4 2025 | $168.0M | $151.7M | $50.9M | $10.6M | $1.5M | 0.95% | 2.94% | 0.07% |
| Q3 2025 | $160.4M | $144.8M | $47.6M | $9.9M | $1.0M | 0.86% | 2.96% | 0.06% |
| Q2 2025 | $152.5M | $142.5M | $48.7M | $7.3M | $668K | 0.87% | 2.96% | 0.02% |
| Q1 2025 | $157.8M | $147.4M | $46.8M | $7.6M | $280K | 0.72% | 2.81% | 0.10% |
| Q4 2024 | $152.8M | $142.9M | $46.0M | $6.9M | $1.0M | 0.65% | 2.67% | 0.00% |
| Q3 2024 | $148.9M | $137.0M | $45.0M | $8.9M | $671K | 0.57% | 2.63% | 0.05% |
Loan mix (Q2 2026): real estate $38.6M · commercial $3.4M · consumer $8.8M · securities $91.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 65th |
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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