| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.6 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 9.6% | 11.9% | -2.2 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $480.8M | $405.4M | $359.4M | $55.6M | $2.6M | 1.09% | 4.23% | 0.68% |
| Q1 2026 | $471.4M | $410.2M | $346.3M | $54.3M | $1.2M | 1.04% | 4.18% | 0.67% |
| Q4 2025 | $486.1M | $428.0M | $344.4M | $53.3M | $3.7M | 0.79% | 3.94% | 0.86% |
| Q3 2025 | $465.7M | $377.2M | $348.6M | $52.0M | $2.6M | 0.76% | 3.95% | 0.95% |
| Q2 2025 | $449.3M | $383.1M | $338.6M | $51.0M | $1.6M | 0.69% | 3.95% | 1.69% |
| Q1 2025 | $445.9M | $390.8M | $328.9M | $50.2M | $913K | 0.79% | 3.97% | 0.98% |
| Q4 2024 | $474.6M | $420.5M | $319.8M | $49.2M | $2.7M | 0.59% | 3.63% | 0.79% |
| Q3 2024 | $452.5M | $398.3M | $325.3M | $48.5M | $1.9M | 0.57% | 3.61% | 1.13% |
Loan mix (Q2 2026): real estate $322.3M · commercial $34.6M · consumer $6.1M · securities $68.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 11.9% | 36th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.2% | 62.9% | 53th |
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% |
The full ratio pack is part of CharterBench Pro.