| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.0 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.24% | 1.24% | -0.0 pts |
| ROE | 10.1% | 11.9% | -1.7 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $383.4M | $333.9M | $202.4M | $47.0M | $2.4M | 1.24% | 3.13% | 0.32% |
| Q1 2026 | $381.5M | $332.7M | $201.2M | $46.2M | $1.1M | 1.21% | 3.08% | 0.15% |
| Q4 2025 | $376.1M | $328.1M | $195.7M | $46.0M | $3.6M | 1.00% | 2.96% | 0.11% |
| Q3 2025 | $364.8M | $317.2M | $194.7M | $45.4M | $2.7M | 1.03% | 3.03% | 0.12% |
| Q2 2025 | $367.2M | $321.8M | $191.0M | $43.2M | $1.7M | 0.97% | 2.98% | 0.15% |
| Q1 2025 | $339.3M | $294.7M | $188.3M | $42.0M | $799K | 0.94% | 2.99% | 0.08% |
| Q4 2024 | $337.8M | $295.2M | $186.6M | $40.5M | $2.9M | 0.87% | 2.70% | 0.09% |
| Q3 2024 | $329.7M | $285.2M | $183.8M | $42.1M | $2.2M | 0.87% | 2.75% | 0.11% |
Loan mix (Q2 2026): real estate $150.3M · commercial $46.1M · consumer $6.6M · securities $137.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.5% | 62.9% | 26th |
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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