| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.6M | $234.6M | $218.6M | $17.8M | $721K | 0.55% | 3.81% | 0.66% |
| Q1 2026 | $259.7M | $239.4M | $219.3M | $17.1M | $329K | 0.50% | 3.70% | 0.52% |
| Q4 2025 | $266.3M | $237.6M | $222.1M | $17.0M | $872K | 0.35% | 3.39% | 0.50% |
| Q3 2025 | $262.3M | $242.6M | $218.2M | $16.6M | $433K | 0.23% | 3.31% | 0.58% |
| Q2 2025 | $249.4M | $228.3M | $208.9M | $15.7M | $214K | 0.18% | 3.25% | 0.28% |
| Q1 2025 | $244.4M | $223.3M | $202.8M | $15.9M | $44K | 0.07% | 3.18% | 0.14% |
| Q4 2024 | $233.0M | $214.3M | $191.7M | $15.8M | $160K | 0.07% | 3.07% | 0.34% |
| Q3 2024 | $233.5M | $210.9M | $190.6M | $16.9M | $179K | 0.10% | 3.06% | 0.29% |
Loan mix (Q2 2026): real estate $194.5M · commercial $19.2M · consumer $5.3M · securities $23.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 62.9% | 85th |
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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