| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +9.6% | +5.6% | +4.0 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.2M | $226.7M | $109.7M | $21.4M | $1.4M | 1.14% | 3.26% | 0.45% |
| Q1 2026 | $247.1M | $224.2M | $108.2M | $20.9M | $746K | 1.24% | 3.34% | 0.02% |
| Q4 2025 | $234.4M | $211.3M | $107.7M | $21.3M | $2.6M | 1.08% | 3.15% | 0.04% |
| Q3 2025 | $233.3M | $210.8M | $106.3M | $20.6M | $1.8M | 1.04% | 3.09% | 0.03% |
| Q2 2025 | $238.9M | $217.5M | $100.1M | $19.4M | $1.2M | 0.98% | 3.02% | 0.10% |
| Q1 2025 | $237.6M | $217.3M | $97.7M | $18.4M | $545K | 0.93% | 3.00% | 0.00% |
| Q4 2024 | $233.6M | $212.7M | $99.6M | $16.7M | $2.0M | 0.87% | 2.75% | 0.02% |
| Q3 2024 | $229.9M | $209.3M | $96.4M | $18.7M | $1.5M | 0.86% | 2.71% | 0.01% |
Loan mix (Q2 2026): real estate $81.7M · commercial $8.4M · consumer $4.8M · securities $105.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.4% | 62.9% | 33th |
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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