| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +15.0% | +4.0% | +11.1 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.9 pts |
| ROA | 1.25% | 1.24% | +0.0 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $362.1M | $292.9M | $267.6M | $67.4M | $2.2M | 1.25% | 4.47% | 0.23% |
| Q1 2026 | $340.6M | $272.4M | $262.7M | $66.4M | $1.2M | 1.38% | 4.52% | 0.04% |
| Q4 2025 | $353.1M | $285.8M | $268.8M | $65.2M | $4.3M | 1.27% | 4.43% | 0.54% |
| Q3 2025 | $334.3M | $257.4M | $261.9M | $64.7M | $3.8M | 1.49% | 4.45% | 0.01% |
| Q2 2025 | $335.3M | $254.7M | $263.2M | $63.4M | $2.5M | 1.48% | 4.37% | 0.04% |
| Q1 2025 | $335.6M | $245.7M | $267.6M | $62.2M | $1.3M | 1.53% | 4.41% | 0.03% |
| Q4 2024 | $354.0M | $276.6M | $267.4M | $60.9M | $6.5M | 1.90% | 4.40% | 0.02% |
| Q3 2024 | $341.2M | $259.9M | $264.7M | $59.5M | $5.1M | 2.00% | 4.35% | 0.13% |
Loan mix (Q2 2026): real estate $263.2M · commercial $4.2M · consumer $3.0M · securities $19.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.24% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.4% | 62.9% | 63th |
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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