| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.5% | +3.0% | +6.5 pts |
| Deposit growth (YoY) | +11.2% | +2.5% | +8.8 pts |
| Loan growth (YoY) | +31.2% | +2.6% | +28.6 pts |
| ROA | 0.64% | 0.99% | -0.4 pts |
| ROE | 5.1% | 8.1% | -3.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.0M | $53.0M | $43.5M | $7.7M | $195K | 0.64% | 5.52% | 0.49% |
| Q1 2026 | $63.1M | $55.3M | $45.0M | $7.6M | $60K | 0.39% | 5.49% | 0.05% |
| Q4 2025 | $60.1M | $50.6M | $44.3M | $7.8M | $891K | 1.57% | 6.04% | 0.05% |
| Q3 2025 | $56.7M | $48.4M | $36.1M | $7.9M | $801K | 1.92% | 5.99% | 0.06% |
| Q2 2025 | $55.7M | $47.7M | $33.1M | $7.7M | $581K | 2.10% | 5.94% | 0.02% |
| Q1 2025 | $55.6M | $47.5M | $31.1M | $7.8M | $494K | 3.57% | 5.80% | 0.08% |
| Q4 2024 | $55.0M | $47.5M | $30.0M | $7.2M | $440K | 0.82% | 5.91% | 0.35% |
| Q3 2024 | $52.9M | $45.2M | $28.8M | $7.3M | $323K | 0.80% | 5.93% | 0.37% |
Loan mix (Q2 2026): real estate $35.5M · commercial $6.2M · consumer $843K · securities $8.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 0.99% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 8.1% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 85.7% | 70.8% | 78th |
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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