| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 16.8% | 11.9% | +4.9 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $274.6M | $218.8M | $220.5M | $27.8M | $2.3M | 1.66% | 3.74% | 0.06% |
| Q1 2026 | $276.2M | $220.8M | $222.4M | $27.2M | $1.2M | 1.79% | 3.73% | 0.06% |
| Q4 2025 | $278.5M | $216.4M | $220.9M | $27.2M | $3.9M | 1.46% | 3.69% | 0.20% |
| Q3 2025 | $273.1M | $212.3M | $219.8M | $26.0M | $2.8M | 1.44% | 3.64% | 0.24% |
| Q2 2025 | $263.5M | $218.2M | $212.5M | $24.9M | $1.7M | 1.31% | 3.58% | 0.29% |
| Q1 2025 | $255.5M | $213.8M | $205.3M | $23.8M | $781K | 1.21% | 3.50% | 0.30% |
| Q4 2024 | $259.8M | $203.5M | $211.2M | $24.1M | $3.0M | 1.25% | 3.58% | 0.23% |
| Q3 2024 | $248.4M | $185.8M | $199.9M | $23.1M | $2.3M | 1.30% | 3.63% | 0.25% |
Loan mix (Q2 2026): real estate $148.3M · commercial $25.2M · consumer $2.2M · securities $39.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 62.9% | 21th |
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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