| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +3.7% | +2.5% | +1.2 pts |
| Loan growth (YoY) | +16.8% | +2.6% | +14.2 pts |
| ROA | 1.83% | 0.99% | +0.8 pts |
| ROE | 13.5% | 8.1% | +5.4 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.1M | $80.6M | $64.8M | $13.0M | $855K | 1.83% | 5.54% | 1.38% |
| Q1 2026 | $95.5M | $82.4M | $61.2M | $12.5M | $415K | 1.78% | 5.54% | 0.86% |
| Q4 2025 | $91.1M | $78.1M | $61.3M | $12.6M | $1.3M | 1.49% | 5.68% | 0.85% |
| Q3 2025 | $88.8M | $75.7M | $56.9M | $12.4M | $1.1M | 1.73% | 5.57% | 0.87% |
| Q2 2025 | $90.3M | $77.7M | $55.5M | $12.0M | $739K | 1.69% | 5.38% | 0.85% |
| Q1 2025 | $89.6M | $77.4M | $51.5M | $11.6M | $339K | 1.57% | 5.18% | 0.90% |
| Q4 2024 | $83.0M | $70.9M | $53.7M | $11.7M | $1.3M | 1.65% | 5.81% | 1.10% |
| Q3 2024 | $83.3M | $71.1M | $53.3M | $11.5M | $1.1M | 1.83% | 5.80% | 1.02% |
Loan mix (Q2 2026): real estate $54.7M · commercial $3.6M · consumer $2.0M · securities $7.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 0.99% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 13.5% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 70.8% | 21th |
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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