| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.4 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.8 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 13.8% | 11.9% | +2.0 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $348.2M | $287.8M | $244.8M | $41.2M | $2.8M | 1.60% | 3.63% | 0.67% |
| Q1 2026 | $342.4M | $285.9M | $234.7M | $39.5M | $1.3M | 1.48% | 3.56% | 0.49% |
| Q4 2025 | $347.9M | $289.2M | $239.8M | $39.6M | $4.8M | 1.46% | 3.63% | 0.47% |
| Q3 2025 | $332.6M | $271.8M | $231.9M | $39.0M | $3.5M | 1.45% | 3.66% | 0.11% |
| Q2 2025 | $320.2M | $264.7M | $227.9M | $36.6M | $2.3M | 1.43% | 3.65% | 0.49% |
| Q1 2025 | $317.9M | $268.4M | $218.0M | $35.8M | $1.0M | 1.31% | 3.56% | 0.67% |
| Q4 2024 | $313.9M | $263.1M | $221.3M | $35.0M | $3.6M | 1.18% | 3.30% | 0.48% |
| Q3 2024 | $309.8M | $252.5M | $217.6M | $36.7M | $2.5M | 1.09% | 3.26% | 0.36% |
Loan mix (Q2 2026): real estate $190.9M · commercial $36.7M · consumer $9.8M · securities $68.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 29th |
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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