| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.2 pts |
| Loan growth (YoY) | +9.7% | +5.6% | +4.1 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 23.2% | 11.9% | +11.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $295.1M | $267.1M | $175.0M | $26.2M | $3.0M | 2.05% | 5.19% | 0.03% |
| Q1 2026 | $291.5M | $264.2M | $173.0M | $25.7M | $1.5M | 2.07% | 5.02% | 0.03% |
| Q4 2025 | $289.7M | $262.3M | $160.6M | $25.6M | $5.4M | 2.09% | 5.21% | 0.05% |
| Q3 2025 | $282.2M | $254.6M | $171.0M | $25.4M | $4.3M | 2.28% | 5.15% | 0.06% |
| Q2 2025 | $286.4M | $262.5M | $159.5M | $21.2M | $2.8M | 2.35% | 5.09% | 0.23% |
| Q1 2025 | $221.1M | $200.2M | $145.8M | $19.1M | $1.3M | 2.41% | 5.39% | 0.31% |
| Q4 2024 | $212.4M | $192.2M | $146.3M | $18.5M | $3.7M | 1.77% | 5.08% | 0.09% |
| Q3 2024 | $212.3M | $192.3M | $147.7M | $18.2M | $2.8M | 1.79% | 4.97% | 0.09% |
Loan mix (Q2 2026): real estate $145.3M · commercial $14.1M · consumer $4.9M · securities $71.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.2% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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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