| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | +3.7% | +4.0% | -0.2 pts |
| Loan growth (YoY) | -2.8% | +5.6% | -8.3 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $125.2M | $106.6M | $91.6M | $13.8M | $775K | 1.25% | 4.28% | 0.31% |
| Q1 2026 | $121.8M | $102.8M | $90.9M | $13.3M | $330K | 1.06% | 4.20% | 0.33% |
| Q4 2025 | $126.3M | $104.6M | $90.3M | $13.7M | $1.3M | 0.99% | 4.15% | 0.33% |
| Q3 2025 | $126.6M | $104.2M | $93.0M | $13.4M | $960K | 1.01% | 4.15% | 0.28% |
| Q2 2025 | $124.5M | $102.8M | $94.2M | $12.7M | $549K | 0.87% | 4.13% | 0.54% |
| Q1 2025 | $127.4M | $105.2M | $96.9M | $12.2M | $260K | 0.82% | 4.05% | 0.31% |
| Q4 2024 | $127.6M | $105.8M | $96.5M | $12.1M | $507K | 0.40% | 3.77% | 0.30% |
| Q3 2024 | $131.4M | $108.9M | $100.0M | $12.7M | $731K | 0.77% | 3.70% | 0.33% |
Loan mix (Q2 2026): real estate $78.6M · commercial $11.0M · consumer $2.5M · securities $16.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 62.9% | 69th |
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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