| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.0% | +2.2 pts |
| Deposit growth (YoY) | +2.0% | +2.5% | -0.5 pts |
| Loan growth (YoY) | +5.9% | +2.6% | +3.3 pts |
| ROA | 0.88% | 0.99% | -0.1 pts |
| ROE | 10.2% | 8.1% | +2.2 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.4M | $77.2M | $61.5M | $7.8M | $390K | 0.88% | 5.65% | 0.37% |
| Q1 2026 | $89.2M | $79.1M | $57.4M | $7.6M | $197K | 0.88% | 5.60% | 0.37% |
| Q4 2025 | $90.4M | $76.3M | $62.5M | $7.4M | $2.7M | 3.18% | 5.47% | 0.38% |
| Q3 2025 | $84.9M | $75.1M | $57.0M | $7.0M | $2.3M | 3.78% | 5.37% | 0.42% |
| Q2 2025 | $83.1M | $75.7M | $58.1M | $5.0M | $451K | 1.10% | 5.43% | 0.44% |
| Q1 2025 | $80.9M | $75.8M | $56.4M | $4.7M | $234K | 1.15% | 5.45% | 0.46% |
| Q4 2024 | $81.8M | $72.0M | $57.5M | $4.4M | $898K | 1.14% | 5.33% | 0.71% |
| Q3 2024 | $80.0M | $75.2M | $55.5M | $4.2M | $539K | 0.92% | 5.24% | 0.74% |
Loan mix (Q2 2026): real estate $52.6M · commercial $5.0M · consumer $2.3M · securities $4.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 0.99% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 8.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.7% | 70.8% | 73th |
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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