| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +3.0% | -2.1 pts |
| Deposit growth (YoY) | +0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | +2.0% | +2.6% | -0.6 pts |
| ROA | 1.08% | 0.99% | +0.1 pts |
| ROE | 8.6% | 8.1% | +0.5 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $55.1M | $47.7M | $33.3M | $7.0M | $291K | 1.08% | 4.35% | 0.55% |
| Q1 2026 | $53.5M | $46.2M | $35.1M | $6.8M | $122K | 0.91% | 4.28% | 0.58% |
| Q4 2025 | $53.7M | $46.6M | $33.3M | $6.7M | $476K | 0.90% | 3.97% | 0.60% |
| Q3 2025 | $51.5M | $44.5M | $34.6M | $6.7M | $330K | 0.84% | 3.91% | 0.64% |
| Q2 2025 | $54.6M | $47.7M | $32.7M | $6.5M | $243K | 0.92% | 3.82% | 0.92% |
| Q1 2025 | $52.0M | $45.2M | $33.5M | $6.2M | $108K | 0.83% | 3.76% | 0.99% |
| Q4 2024 | $52.0M | $45.7M | $31.5M | $6.0M | $441K | 0.84% | 3.43% | 1.00% |
| Q3 2024 | $51.2M | $44.8M | $31.7M | $6.2M | $340K | 0.86% | 3.36% | 0.76% |
Loan mix (Q2 2026): real estate $22.4M · commercial $1.8M · consumer $2.2M · securities $13.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 0.99% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 8.1% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 70.8% | 49th |
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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