| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 13.0% | 11.9% | +1.1 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $290.9M | $248.0M | $166.8M | $34.6M | $2.2M | 1.54% | 3.38% | 0.31% |
| Q1 2026 | $286.0M | $250.3M | $158.3M | $34.1M | $1.1M | 1.47% | 3.33% | 0.20% |
| Q4 2025 | $286.5M | $251.3M | $161.4M | $33.9M | $4.1M | 1.45% | 3.21% | 0.18% |
| Q3 2025 | $281.1M | $246.4M | $155.6M | $32.8M | $3.1M | 1.48% | 3.17% | 0.30% |
| Q2 2025 | $278.5M | $242.6M | $155.1M | $31.5M | $2.1M | 1.49% | 3.10% | 0.27% |
| Q1 2025 | $283.2M | $251.0M | $150.7M | $30.5M | $1.0M | 1.47% | 2.92% | 0.27% |
| Q4 2024 | $287.2M | $247.7M | $161.1M | $29.0M | $3.4M | 1.14% | 2.65% | 0.30% |
| Q3 2024 | $302.5M | $244.8M | $156.7M | $29.9M | $2.5M | 1.11% | 2.58% | 0.23% |
Loan mix (Q2 2026): real estate $72.3M · commercial $19.7M · consumer $14.2M · securities $116.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.0% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23th |
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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