| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.5 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.0M | $114.1M | $96.4M | $15.1M | $1.0M | 1.56% | 4.66% | 0.28% |
| Q1 2026 | $131.0M | $115.6M | $95.4M | $14.5M | $469K | 1.45% | 4.57% | 0.29% |
| Q4 2025 | $127.5M | $112.6M | $92.0M | $14.1M | $1.8M | 1.42% | 4.59% | 0.04% |
| Q3 2025 | $127.8M | $112.9M | $90.3M | $14.0M | $1.3M | 1.45% | 4.57% | 0.04% |
| Q2 2025 | $123.6M | $109.3M | $89.2M | $13.5M | $824K | 1.36% | 4.49% | 0.31% |
| Q1 2025 | $121.5M | $107.7M | $91.1M | $13.0M | $372K | 1.25% | 4.43% | 0.35% |
| Q4 2024 | $117.5M | $104.3M | $91.3M | $12.4M | $1.3M | 1.11% | 4.54% | 0.04% |
| Q3 2024 | $115.9M | $102.6M | $92.4M | $12.5M | $896K | 1.05% | 4.46% | 0.52% |
Loan mix (Q2 2026): real estate $88.1M · commercial $4.3M · consumer $1.3M · securities $12.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 61th | |
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 | 56.1% | 62.9% | 30th |
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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