| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.1 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.0 pts |
| ROA | 2.57% | 1.24% | +1.3 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $260.4M | $218.8M | $153.7M | $29.0M | $3.3M | 2.57% | 4.43% | 1.37% |
| Q1 2026 | $263.0M | $230.3M | $152.6M | $27.4M | $1.7M | 2.68% | 4.40% | 1.22% |
| Q4 2025 | $255.4M | $211.5M | $156.5M | $27.6M | $4.7M | 1.84% | 4.05% | 1.45% |
| Q3 2025 | $252.9M | $217.8M | $149.1M | $26.4M | $3.8M | 2.02% | 4.03% | 0.95% |
| Q2 2025 | $253.7M | $221.2M | $147.0M | $24.4M | $2.6M | 2.07% | 3.91% | 0.89% |
| Q1 2025 | $254.2M | $224.8M | $140.1M | $23.5M | $1.3M | 2.12% | 3.80% | 0.53% |
| Q4 2024 | $249.3M | $217.9M | $142.0M | $22.4M | $3.6M | 1.42% | 3.47% | 0.76% |
| Q3 2024 | $249.6M | $224.0M | $134.4M | $24.1M | $2.6M | 1.40% | 3.32% | 1.29% |
Loan mix (Q2 2026): real estate $85.0M · commercial $16.5M · consumer $6.1M · securities $92.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.57% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.1% | 62.9% | 14th |
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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