| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.1% | +4.4% | +5.7 pts |
| Deposit growth (YoY) | +9.9% | +4.0% | +5.9 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.5 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.3M | $117.6M | $102.6M | $10.0M | $793K | 1.27% | 4.57% | 0.58% |
| Q1 2026 | $126.2M | $115.6M | $98.5M | $9.8M | $341K | 1.10% | 4.46% | 0.88% |
| Q4 2025 | $121.5M | $111.5M | $96.7M | $9.5M | $1.2M | 1.04% | 4.26% | 0.34% |
| Q3 2025 | $121.7M | $111.5M | $92.5M | $9.5M | $877K | 1.02% | 4.18% | 0.40% |
| Q2 2025 | $116.6M | $107.1M | $89.9M | $9.0M | $523K | 0.93% | 4.09% | 0.65% |
| Q1 2025 | $114.1M | $104.7M | $84.3M | $8.8M | $242K | 0.87% | 4.04% | 0.40% |
| Q4 2024 | $107.6M | $99.0M | $83.3M | $8.3M | $1.0M | 0.93% | 4.16% | 0.42% |
| Q3 2024 | $109.1M | $99.8M | $83.2M | $8.8M | $717K | 0.88% | 4.11% | 0.74% |
Loan mix (Q2 2026): real estate $80.7M · commercial $16.0M · consumer $5.2M · securities $16.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 46th |
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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