| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 15.7% | 11.9% | +3.9 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.3M | $262.2M | $234.7M | $28.2M | $2.2M | 1.44% | 3.76% | 0.52% |
| Q1 2026 | $310.4M | $265.7M | $224.1M | $27.5M | $1.1M | 1.47% | 3.63% | 0.52% |
| Q4 2025 | $303.2M | $257.8M | $225.7M | $28.4M | $4.4M | 1.47% | 3.46% | 0.53% |
| Q3 2025 | $301.7M | $257.4M | $218.5M | $27.3M | $3.1M | 1.39% | 3.39% | 0.54% |
| Q2 2025 | $301.0M | $258.8M | $216.3M | $25.2M | $2.0M | 1.33% | 3.33% | 0.57% |
| Q1 2025 | $293.3M | $251.8M | $211.5M | $24.4M | $958K | 1.32% | 3.25% | 0.56% |
| Q4 2024 | $286.8M | $245.4M | $207.9M | $24.4M | $3.1M | 1.14% | 3.20% | 0.01% |
| Q3 2024 | $276.8M | $234.5M | $205.4M | $25.2M | $2.2M | 1.07% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $194.7M · commercial $30.4M · consumer $4.7M · securities $36.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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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