| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.4 pts |
| ROA | 2.35% | 1.24% | +1.1 pts |
| ROE | 24.6% | 11.9% | +12.8 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.5M | $191.3M | $102.9M | $20.5M | $2.4M | 2.35% | 4.37% | 0.44% |
| Q1 2026 | $221.0M | $200.5M | $101.6M | $19.9M | $1.2M | 2.30% | 4.28% | 0.38% |
| Q4 2025 | $188.5M | $169.1M | $98.4M | $18.9M | $4.4M | 2.32% | 4.44% | 0.42% |
| Q3 2025 | $183.6M | $162.9M | $96.4M | $19.9M | $3.3M | 2.29% | 4.42% | 0.44% |
| Q2 2025 | $197.7M | $178.4M | $97.2M | $18.6M | $2.2M | 2.24% | 4.33% | 0.46% |
| Q1 2025 | $204.4M | $186.0M | $93.9M | $17.8M | $1.0M | 2.17% | 4.21% | 0.66% |
| Q4 2024 | $176.1M | $159.2M | $91.1M | $16.5M | $4.6M | 2.58% | 4.34% | 0.83% |
| Q3 2024 | $179.5M | $161.7M | $90.5M | $17.2M | $3.3M | 2.43% | 4.32% | 0.73% |
Loan mix (Q2 2026): real estate $99.2M · commercial $1.3M · consumer $3.5M · securities $97.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.35% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 24.6% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.2% | 62.9% | 9th |
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% |
The full ratio pack is part of CharterBench Pro.