| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.6 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 14.3% | 11.9% | +2.5 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $340.3M | $262.6M | $265.4M | $31.4M | $2.2M | 1.36% | 4.17% | 0.32% |
| Q1 2026 | $325.7M | $246.0M | $263.0M | $31.1M | $1.1M | 1.41% | 4.10% | 0.48% |
| Q4 2025 | $321.6M | $235.6M | $265.7M | $31.0M | $4.2M | 1.28% | 3.97% | 0.47% |
| Q3 2025 | $330.8M | $242.3M | $268.5M | $30.5M | $3.1M | 1.24% | 3.88% | 0.48% |
| Q2 2025 | $331.4M | $244.2M | $270.7M | $29.7M | $1.9M | 1.16% | 3.79% | 0.53% |
| Q1 2025 | $327.6M | $240.5M | $270.4M | $29.2M | $834K | 1.03% | 3.73% | 0.53% |
| Q4 2024 | $319.3M | $235.5M | $273.0M | $28.7M | $2.5M | 0.81% | 3.57% | 0.73% |
| Q3 2024 | $310.6M | $249.4M | $265.4M | $29.5M | $1.9M | 0.83% | 3.51% | 0.94% |
Loan mix (Q2 2026): real estate $230.8M · commercial $19.8M · consumer $17.3M · securities $35.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 14.3% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.8% | 62.9% | 66th |
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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