| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.9% | +0.6 pts |
| Deposit growth (YoY) | +4.4% | +4.3% | +0.0 pts |
| Loan growth (YoY) | +12.1% | +5.3% | +6.7 pts |
| ROA | 1.04% | 1.28% | -0.2 pts |
| ROE | 7.8% | 12.4% | -4.7 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $505.7M | $433.0M | $223.4M | $68.1M | $2.6M | 1.04% | 3.72% | 0.36% |
| Q1 2026 | $498.6M | $427.8M | $218.6M | $66.1M | $1.4M | 1.15% | 3.76% | 0.33% |
| Q4 2025 | $498.1M | $427.4M | $210.1M | $66.2M | $3.4M | 0.70% | 3.46% | 0.37% |
| Q3 2025 | $479.5M | $409.8M | $207.2M | $64.9M | $2.7M | 0.76% | 3.44% | 0.41% |
| Q2 2025 | $479.3M | $414.9M | $199.3M | $59.9M | $1.5M | 0.62% | 3.38% | 0.28% |
| Q1 2025 | $486.1M | $421.6M | $190.8M | $60.1M | $448K | 0.37% | 3.23% | 0.24% |
| Q4 2024 | $480.8M | $418.7M | $189.9M | $57.3M | $3.0M | 0.62% | 3.13% | 0.24% |
| Q3 2024 | $479.6M | $412.4M | $191.4M | $63.4M | $2.5M | 0.70% | 3.08% | 0.17% |
Loan mix (Q2 2026): real estate $206.2M · commercial $18.0M · consumer $1.9M · securities $231.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.28% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 12.4% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.72% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 61.2% | 91th |
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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