| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.7 pts |
| Loan growth (YoY) | -4.1% | +5.6% | -9.7 pts |
| ROA | 2.22% | 1.24% | +1.0 pts |
| ROE | 21.3% | 11.9% | +9.5 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $266.8M | $237.9M | $190.2M | $28.0M | $3.0M | 2.22% | 4.66% | 0.62% |
| Q1 2026 | $270.1M | $242.0M | $193.3M | $27.4M | $1.5M | 2.21% | 4.61% | 0.80% |
| Q4 2025 | $265.4M | $236.7M | $201.1M | $28.1M | $5.5M | 2.08% | 4.59% | 0.70% |
| Q3 2025 | $257.8M | $226.7M | $198.2M | $27.7M | $4.2M | 2.12% | 4.56% | 0.92% |
| Q2 2025 | $259.7M | $232.5M | $198.4M | $26.2M | $2.8M | 2.10% | 4.50% | 0.79% |
| Q1 2025 | $269.9M | $233.5M | $211.8M | $25.5M | $1.4M | 2.05% | 4.35% | 0.15% |
| Q4 2024 | $269.3M | $226.5M | $214.1M | $26.1M | $5.1M | 1.94% | 4.24% | 0.16% |
| Q3 2024 | $258.8M | $220.4M | $199.5M | $25.8M | $3.8M | 1.95% | 4.22% | 0.21% |
Loan mix (Q2 2026): real estate $98.8M · commercial $79.8M · consumer $380K · securities $47.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 62.9% | 26th |
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% |
The full ratio pack is part of CharterBench Pro.