| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.0 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | -1.9% | +5.6% | -7.5 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 15.3% | 11.9% | +3.5 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $303.4M | $272.4M | $108.7M | $28.8M | $2.2M | 1.47% | 3.44% | 0.34% |
| Q1 2026 | $296.0M | $265.1M | $109.4M | $28.9M | $1.0M | 1.39% | 3.34% | 0.52% |
| Q4 2025 | $306.1M | $275.1M | $101.0M | $29.1M | $4.4M | 1.49% | 3.15% | 0.38% |
| Q3 2025 | $297.8M | $266.9M | $107.9M | $28.8M | $3.5M | 1.61% | 3.11% | 0.19% |
| Q2 2025 | $290.8M | $261.4M | $110.8M | $27.3M | $2.2M | 1.53% | 3.05% | 0.28% |
| Q1 2025 | $288.0M | $260.1M | $105.7M | $25.9M | $1.0M | 1.42% | 3.01% | 0.30% |
| Q4 2024 | $283.3M | $256.8M | $103.2M | $24.4M | $2.1M | 0.72% | 2.54% | 0.30% |
| Q3 2024 | $288.5M | $242.9M | $108.4M | $24.6M | $1.4M | 0.67% | 2.46% | 0.26% |
Loan mix (Q2 2026): real estate $70.0M · commercial $22.0M · consumer $5.0M · securities $133.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.4% | 62.9% | 43th |
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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