| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +4.4% | -9.7 pts |
| Deposit growth (YoY) | -7.5% | +4.0% | -11.4 pts |
| Loan growth (YoY) | +16.8% | +5.6% | +11.2 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.9M | $265.8M | $105.3M | $27.0M | $3.1M | 2.12% | 4.06% | 0.01% |
| Q1 2026 | $292.3M | $265.7M | $90.0M | $25.7M | $1.5M | 2.07% | 4.03% | 0.01% |
| Q4 2025 | $292.1M | $266.0M | $91.2M | $25.5M | $6.5M | 2.19% | 3.94% | 0.00% |
| Q3 2025 | $288.0M | $260.9M | $90.0M | $25.6M | $5.0M | 2.24% | 3.95% | 0.00% |
| Q2 2025 | $310.6M | $287.3M | $90.2M | $22.0M | $3.4M | 2.26% | 3.91% | 0.00% |
| Q1 2025 | $290.7M | $268.2M | $90.7M | $21.6M | $1.5M | 2.09% | 3.81% | 0.00% |
| Q4 2024 | $291.8M | $272.8M | $87.3M | $18.5M | $4.4M | 1.87% | 3.96% | 0.00% |
| Q3 2024 | $256.4M | $238.6M | $92.0M | $17.0M | $3.1M | 1.82% | 4.01% | 0.00% |
Loan mix (Q2 2026): real estate $87.2M · commercial $16.1M · consumer $3.1M · securities $119.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 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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