| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +0.0% | +4.0% | -3.9 pts |
| Loan growth (YoY) | +10.0% | +5.6% | +4.4 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $194.5M | $176.9M | $125.3M | $11.7M | $660K | 0.67% | 3.77% | 0.01% |
| Q1 2026 | $196.1M | $184.2M | $127.2M | $11.4M | $351K | 0.71% | 3.82% | 0.03% |
| Q4 2025 | $199.4M | $187.6M | $122.2M | $11.3M | $1.0M | 0.54% | 3.66% | 0.03% |
| Q3 2025 | $189.4M | $178.4M | $117.0M | $10.5M | $690K | 0.49% | 3.66% | 0.00% |
| Q2 2025 | $186.9M | $176.8M | $114.0M | $9.6M | $452K | 0.48% | 3.64% | 0.03% |
| Q1 2025 | $191.5M | $182.3M | $116.4M | $8.8M | $231K | 0.49% | 3.58% | 0.05% |
| Q4 2024 | $184.8M | $169.1M | $113.6M | $7.4M | $558K | 0.31% | 3.49% | 0.00% |
| Q3 2024 | $178.9M | $155.6M | $106.0M | $9.4M | $396K | 0.30% | 3.49% | 0.00% |
Loan mix (Q2 2026): real estate $108.4M · commercial $17.8M · consumer $770K · securities $61.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.8% | 62.9% | 84th |
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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