| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +3.0% | +0.5 pts |
| Deposit growth (YoY) | +2.6% | +2.5% | +0.1 pts |
| Loan growth (YoY) | +5.0% | +2.6% | +2.4 pts |
| ROA | 1.49% | 0.99% | +0.5 pts |
| ROE | 11.6% | 8.1% | +3.5 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 | $73.0M | $63.4M | $52.4M | $9.4M | $532K | 1.49% | 5.04% | 0.41% |
| Q1 2026 | $73.1M | $63.5M | $52.4M | $9.2M | $279K | 1.57% | 5.04% | 0.16% |
| Q4 2025 | $68.7M | $59.5M | $52.1M | $8.9M | $998K | 1.44% | 4.88% | 0.63% |
| Q3 2025 | $70.3M | $61.1M | $52.0M | $8.9M | $764K | 1.47% | 4.81% | 0.29% |
| Q2 2025 | $70.6M | $61.8M | $49.9M | $8.5M | $459K | 1.33% | 4.67% | 0.40% |
| Q1 2025 | $68.4M | $59.9M | $48.5M | $8.3M | $217K | 1.28% | 4.54% | 0.77% |
| Q4 2024 | $67.6M | $57.4M | $48.4M | $8.0M | $740K | 1.13% | 4.97% | 0.81% |
| Q3 2024 | $65.0M | $56.9M | $47.8M | $8.0M | $598K | 1.23% | 5.04% | 0.78% |
Loan mix (Q2 2026): real estate $26.6M · commercial $12.9M · consumer $1.2M · securities $7.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.49% | 0.99% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 8.1% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 70.8% | 24th |
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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