| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.1 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.7M | $95.7M | $82.7M | $13.9M | $684K | 1.10% | 3.74% | 0.00% |
| Q1 2026 | $124.9M | $99.1M | $77.9M | $14.0M | $319K | 1.02% | 3.58% | 0.00% |
| Q4 2025 | $126.2M | $99.3M | $74.6M | $13.9M | $1.1M | 0.88% | 3.45% | 0.03% |
| Q3 2025 | $122.4M | $92.0M | $77.9M | $13.9M | $771K | 0.83% | 3.42% | 0.03% |
| Q2 2025 | $120.7M | $94.3M | $73.4M | $13.5M | $439K | 0.70% | 3.29% | 0.13% |
| Q1 2025 | $125.9M | $97.8M | $71.0M | $13.4M | $172K | 0.54% | 3.15% | 0.04% |
| Q4 2024 | $127.1M | $98.5M | $72.2M | $13.3M | $698K | 0.57% | 3.26% | 0.00% |
| Q3 2024 | $122.7M | $93.8M | $75.2M | $13.6M | $503K | 0.55% | 3.30% | 0.08% |
Loan mix (Q2 2026): real estate $52.9M · commercial $6.9M · consumer $822K · securities $27.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.6% | 62.9% | 61th |
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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