| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +13.3% | +5.6% | +7.7 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 14.6% | 11.9% | +2.8 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $297.3M | $259.9M | $171.0M | $35.3M | $2.5M | 1.66% | 4.13% | 0.39% |
| Q1 2026 | $305.5M | $269.0M | $170.2M | $34.1M | $1.3M | 1.68% | 3.99% | 0.42% |
| Q4 2025 | $302.0M | $267.4M | $158.9M | $33.3M | $4.4M | 1.54% | 4.12% | 0.43% |
| Q3 2025 | $282.1M | $246.6M | $156.5M | $34.0M | $3.3M | 1.58% | 4.13% | 0.41% |
| Q2 2025 | $282.5M | $247.7M | $151.0M | $32.8M | $2.1M | 1.50% | 4.02% | 0.42% |
| Q1 2025 | $279.9M | $245.7M | $151.3M | $31.7M | $1.0M | 1.49% | 3.92% | 0.44% |
| Q4 2024 | $279.1M | $246.6M | $147.1M | $31.4M | $4.4M | 1.64% | 4.05% | 0.47% |
| Q3 2024 | $265.3M | $231.5M | $142.9M | $31.7M | $3.4M | 1.71% | 4.10% | 0.36% |
Loan mix (Q2 2026): real estate $132.3M · commercial $13.3M · consumer $27.2M · securities $38.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.1% | 62.9% | 23th |
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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