| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.9% | +4.0% | -0.0 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $199.1M | $168.5M | $80.9M | $23.6M | $997K | 1.01% | 3.44% | 0.05% |
| Q1 2026 | $197.4M | $167.2M | $79.4M | $23.6M | $442K | 0.91% | 3.39% | 0.00% |
| Q4 2025 | $193.0M | $162.6M | $85.3M | $23.2M | $2.2M | 1.15% | 3.53% | 0.02% |
| Q3 2025 | $194.1M | $164.6M | $83.2M | $23.3M | $1.7M | 1.18% | 3.50% | 0.02% |
| Q2 2025 | $191.5M | $162.1M | $80.3M | $22.6M | $1.1M | 1.20% | 3.47% | 0.04% |
| Q1 2025 | $190.9M | $161.9M | $78.5M | $22.2M | $598K | 1.26% | 3.46% | 0.04% |
| Q4 2024 | $187.3M | $159.5M | $77.7M | $21.3M | $1.9M | 1.01% | 3.24% | 0.01% |
| Q3 2024 | $188.0M | $160.4M | $77.4M | $21.4M | $1.3M | 0.93% | 3.16% | 0.01% |
Loan mix (Q2 2026): real estate $69.5M · commercial $3.5M · consumer $3.9M · securities $71.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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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