| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.4% | +4.7 pts |
| Deposit growth (YoY) | +9.4% | +4.0% | +5.5 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 2.29% | 1.24% | +1.0 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $143.6M | $120.4M | $84.3M | $23.0M | $1.6M | 2.29% | 4.01% | 0.06% |
| Q1 2026 | $136.9M | $113.9M | $84.9M | $22.7M | $783K | 2.33% | 4.00% | 0.25% |
| Q4 2025 | $132.6M | $110.1M | $82.9M | $22.2M | $2.9M | 2.23% | 3.97% | 0.06% |
| Q3 2025 | $134.7M | $113.1M | $81.1M | $21.4M | $2.2M | 2.21% | 3.90% | 0.06% |
| Q2 2025 | $131.7M | $110.0M | $77.3M | $21.4M | $1.3M | 2.05% | 3.80% | 0.14% |
| Q1 2025 | $133.8M | $112.4M | $75.1M | $21.1M | $639K | 1.96% | 3.70% | 0.13% |
| Q4 2024 | $127.4M | $106.6M | $73.5M | $20.5M | $2.2M | 1.77% | 3.47% | 0.14% |
| Q3 2024 | $125.5M | $105.1M | $71.2M | $20.1M | $1.6M | 1.72% | 3.40% | 0.14% |
Loan mix (Q2 2026): real estate $77.3M · commercial $1.5M · consumer $3.3M · securities $18.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.29% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.3% | 62.9% | 6th |
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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