| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +5.4% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 2.47% | 1.24% | +1.2 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.1M | $146.6M | $148.8M | $37.7M | $2.3M | 2.47% | 4.98% | 0.68% |
| Q1 2026 | $185.0M | $147.5M | $139.6M | $36.5M | $1.1M | 2.36% | 4.83% | 0.79% |
| Q4 2025 | $188.8M | $152.2M | $137.4M | $35.6M | $3.6M | 1.97% | 4.87% | 0.67% |
| Q3 2025 | $183.2M | $146.0M | $147.0M | $36.2M | $2.9M | 2.12% | 4.83% | 0.53% |
| Q2 2025 | $175.6M | $139.2M | $138.9M | $35.6M | $1.9M | 2.08% | 4.70% | 0.49% |
| Q1 2025 | $180.0M | $144.4M | $122.1M | $34.6M | $950K | 2.08% | 4.54% | 0.46% |
| Q4 2024 | $185.8M | $151.5M | $122.8M | $33.5M | $3.5M | 1.95% | 4.74% | 0.49% |
| Q3 2024 | $177.4M | $142.5M | $125.9M | $34.2M | $3.0M | 2.27% | 4.77% | 0.49% |
Loan mix (Q2 2026): real estate $66.0M · commercial $26.3M · consumer $19.9M · securities $11.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.47% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.9% | 62.9% | 2th |
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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