| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 14.4% | 11.9% | +2.6 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $163.8M | $145.2M | $109.4M | $16.5M | $1.2M | 1.47% | 3.78% | 0.24% |
| Q1 2026 | $162.4M | $144.1M | $106.5M | $16.1M | $656K | 1.68% | 3.78% | 0.30% |
| Q4 2025 | $150.2M | $132.1M | $105.5M | $16.0M | $2.1M | 1.36% | 3.70% | 0.32% |
| Q3 2025 | $158.5M | $139.9M | $106.5M | $16.4M | $1.6M | 1.34% | 3.64% | 0.31% |
| Q2 2025 | $155.6M | $137.4M | $106.5M | $16.1M | $932K | 1.21% | 3.64% | 0.33% |
| Q1 2025 | $157.8M | $140.0M | $102.8M | $15.7M | $375K | 0.98% | 3.53% | 0.31% |
| Q4 2024 | $148.7M | $129.8M | $103.6M | $15.4M | $2.2M | 1.44% | 3.44% | 0.33% |
| Q3 2024 | $151.4M | $130.5M | $102.3M | $16.2M | $1.7M | 1.43% | 3.34% | 0.36% |
Loan mix (Q2 2026): real estate $94.9M · commercial $1.9M · consumer $8.0M · securities $14.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 14.4% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 62.9% | 68th |
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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