| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +2.3% | +5.6% | -3.3 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 16.4% | 11.9% | +4.5 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $333.9M | $296.0M | $231.6M | $36.5M | $3.0M | 1.74% | 3.63% | 0.18% |
| Q1 2026 | $341.9M | $305.6M | $232.4M | $35.0M | $1.4M | 1.64% | 3.56% | 0.18% |
| Q4 2025 | $349.1M | $310.3M | $237.4M | $37.7M | $5.1M | 1.57% | 3.23% | 0.18% |
| Q3 2025 | $319.7M | $281.9M | $231.7M | $36.2M | $3.6M | 1.49% | 3.11% | 0.17% |
| Q2 2025 | $321.8M | $285.9M | $226.3M | $34.6M | $2.6M | 1.63% | 3.14% | 0.19% |
| Q1 2025 | $317.7M | $283.4M | $219.4M | $33.2M | $1.5M | 1.86% | 3.02% | 0.14% |
| Q4 2024 | $319.5M | $284.4M | $216.3M | $34.0M | $4.1M | 1.35% | 3.33% | 0.15% |
| Q3 2024 | $296.9M | $254.8M | $221.1M | $33.7M | $3.2M | 1.43% | 3.45% | 0.16% |
Loan mix (Q2 2026): real estate $190.4M · commercial $28.9M · consumer $2.7M · securities $69.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 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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