| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +0.2% | +5.6% | -5.3 pts |
| ROA | 1.89% | 1.24% | +0.6 pts |
| ROE | 21.4% | 11.9% | +9.6 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.5M | $267.2M | $190.6M | $26.0M | $2.7M | 1.89% | 3.75% | 0.02% |
| Q1 2026 | $285.3M | $258.4M | $189.2M | $25.4M | $1.4M | 1.89% | 3.70% | 0.13% |
| Q4 2025 | $287.3M | $260.9M | $196.9M | $25.0M | $5.1M | 1.82% | 3.57% | 0.12% |
| Q3 2025 | $279.1M | $253.5M | $190.1M | $24.2M | $3.7M | 1.79% | 3.53% | 0.17% |
| Q2 2025 | $276.6M | $252.2M | $190.1M | $23.0M | $2.4M | 1.72% | 3.45% | 1.39% |
| Q1 2025 | $283.7M | $260.5M | $193.4M | $21.9M | $1.1M | 1.55% | 3.32% | 0.29% |
| Q4 2024 | $275.5M | $253.7M | $193.0M | $20.5M | $4.5M | 1.64% | 3.31% | 0.30% |
| Q3 2024 | $272.4M | $249.8M | $192.4M | $21.0M | $3.2M | 1.57% | 3.28% | 0.30% |
Loan mix (Q2 2026): real estate $84.3M · commercial $10.3M · consumer $6.1M · securities $64.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.89% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 21.4% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.0% | 62.9% | 13th |
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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