| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | +8.3% | +4.0% | +4.4 pts |
| Loan growth (YoY) | +17.5% | +5.6% | +11.9 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 14.0% | 11.9% | +2.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.4M | $127.2M | $94.4M | $16.4M | $1.1M | 1.43% | 4.17% | 1.95% |
| Q1 2026 | $158.3M | $130.7M | $88.7M | $15.8M | $529K | 1.32% | 4.24% | 1.82% |
| Q4 2025 | $163.0M | $129.2M | $86.0M | $16.5M | $1.8M | 1.17% | 4.14% | 1.29% |
| Q3 2025 | $158.0M | $119.9M | $84.8M | $16.2M | $1.7M | 1.48% | 4.03% | 1.11% |
| Q2 2025 | $153.7M | $117.4M | $80.4M | $15.4M | $1.1M | 1.43% | 3.98% | 0.05% |
| Q1 2025 | $148.2M | $118.0M | $75.9M | $14.5M | $528K | 1.41% | 3.88% | 0.04% |
| Q4 2024 | $151.2M | $120.6M | $75.1M | $14.6M | $1.4M | 0.99% | 3.71% | 0.07% |
| Q3 2024 | $141.1M | $110.8M | $76.9M | $14.6M | $1.2M | 1.13% | 3.57% | 0.04% |
Loan mix (Q2 2026): real estate $73.4M · commercial $8.5M · consumer $3.6M · securities $29.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
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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