| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.3% | +3.0% | -2.7 pts |
| Deposit growth (YoY) | +1.2% | +2.5% | -1.3 pts |
| Loan growth (YoY) | +4.1% | +2.6% | +1.5 pts |
| ROA | 2.06% | 0.99% | +1.1 pts |
| ROE | 17.5% | 8.1% | +9.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.9M | $80.5M | $67.2M | $11.6M | $982K | 2.06% | 5.02% | 0.37% |
| Q1 2026 | $94.8M | $81.5M | $66.1M | $11.1M | $454K | 1.90% | 4.93% | 0.30% |
| Q4 2025 | $96.1M | $82.7M | $65.5M | $11.0M | $2.0M | 2.08% | 4.88% | 0.32% |
| Q3 2025 | $96.1M | $80.5M | $64.7M | $11.7M | $1.4M | 1.94% | 4.82% | 0.33% |
| Q2 2025 | $94.6M | $79.5M | $64.6M | $11.1M | $889K | 1.90% | 4.76% | 0.35% |
| Q1 2025 | $93.9M | $79.2M | $64.8M | $10.5M | $419K | 1.80% | 4.68% | 0.39% |
| Q4 2024 | $92.6M | $80.3M | $64.5M | $10.4M | $2.0M | 2.16% | 4.82% | 0.32% |
| Q3 2024 | $90.8M | $76.9M | $63.4M | $11.2M | $1.4M | 2.05% | 4.81% | 0.68% |
Loan mix (Q2 2026): real estate $56.1M · commercial $2.6M · consumer $8.7M · securities $16.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.06% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 8.1% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.7% | 70.8% | 25th |
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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