| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.88% | 1.24% | +0.6 pts |
| ROE | 22.0% | 11.9% | +10.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $428.7M | $385.9M | $318.9M | $37.4M | $4.0M | 1.88% | 4.24% | 1.20% |
| Q1 2026 | $433.2M | $391.2M | $314.0M | $36.6M | $1.9M | 1.78% | 4.18% | 1.17% |
| Q4 2025 | $418.4M | $375.4M | $312.0M | $35.3M | $5.7M | 1.40% | 3.98% | 1.26% |
| Q3 2025 | $414.9M | $372.9M | $301.5M | $33.7M | $4.2M | 1.38% | 3.90% | 1.06% |
| Q2 2025 | $411.6M | $373.2M | $294.1M | $30.3M | $2.6M | 1.27% | 3.79% | 1.14% |
| Q1 2025 | $405.8M | $368.4M | $288.7M | $30.0M | $1.1M | 1.08% | 3.66% | 1.20% |
| Q4 2024 | $400.6M | $364.4M | $286.0M | $29.5M | $4.0M | 1.00% | 3.45% | 1.29% |
| Q3 2024 | $401.5M | $361.4M | $287.9M | $30.9M | $2.8M | 0.94% | 3.38% | 1.29% |
Loan mix (Q2 2026): real estate $249.0M · commercial $32.7M · consumer $22.6M · securities $76.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.88% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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.