| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 4.50% | 1.24% | +3.3 pts |
| ROE | 33.2% | 11.9% | +21.3 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $420.1M | $359.4M | $336.9M | $59.3M | $9.5M | 4.50% | 6.33% | 0.15% |
| Q1 2026 | $416.6M | $358.2M | $343.3M | $57.3M | $4.1M | 3.89% | 5.71% | 0.16% |
| Q4 2025 | $427.4M | $371.7M | $340.2M | $54.7M | $15.9M | 3.98% | 5.83% | 0.14% |
| Q3 2025 | $419.5M | $358.7M | $331.7M | $59.4M | $12.4M | 4.20% | 5.94% | 0.14% |
| Q2 2025 | $414.1M | $358.0M | $324.7M | $54.9M | $8.0M | 4.14% | 5.96% | 0.03% |
| Q1 2025 | $372.5M | $321.1M | $311.8M | $50.6M | $3.5M | 3.76% | 5.60% | 0.04% |
| Q4 2024 | $368.3M | $319.6M | $295.3M | $47.8M | $12.4M | 3.51% | 5.44% | 0.04% |
| Q3 2024 | $365.4M | $316.0M | $284.7M | $48.3M | $9.3M | 3.55% | 5.35% | 0.05% |
Loan mix (Q2 2026): real estate $300.3M · commercial $32.5M · consumer $7.1M · securities $38.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.50% | 1.24% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 33.2% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.33% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.1% | 62.9% | 1th |
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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