| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +10.7% | +5.6% | +5.1 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $332.5M | $276.0M | $176.2M | $31.1M | $1.8M | 1.03% | 2.43% | 0.45% |
| Q1 2026 | $342.8M | $286.7M | $172.1M | $30.4M | $831K | 0.96% | 2.35% | 0.34% |
| Q4 2025 | $349.3M | $289.7M | $171.1M | $29.9M | $2.4M | 0.74% | 2.12% | 0.34% |
| Q3 2025 | $319.8M | $262.9M | $161.6M | $29.0M | $1.7M | 0.70% | 2.06% | 0.31% |
| Q2 2025 | $321.0M | $269.2M | $159.2M | $27.2M | $1.0M | 0.63% | 1.98% | 0.26% |
| Q1 2025 | $322.5M | $274.0M | $156.9M | $24.9M | $424K | 0.52% | 1.89% | 0.28% |
| Q4 2024 | $326.6M | $278.5M | $156.2M | $22.8M | $426K | 0.13% | 1.48% | 0.30% |
| Q3 2024 | $311.8M | $259.2M | $143.8M | $24.6M | $159K | 0.07% | 1.41% | 0.34% |
Loan mix (Q2 2026): real estate $154.9M · commercial $5.8M · consumer $2.0M · securities $145.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 62.9% | 32th |
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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