| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | +1.5% | +5.6% | -4.1 pts |
| ROA | 1.06% | 1.24% | -0.2 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $211.1M | $184.4M | $148.9M | $17.3M | $1.1M | 1.06% | 3.82% | 0.00% |
| Q1 2026 | $209.9M | $179.8M | $149.9M | $17.1M | $463K | 0.87% | 3.75% | 0.00% |
| Q4 2025 | $213.6M | $185.7M | $150.5M | $16.9M | $1.9M | 0.89% | 3.57% | 0.04% |
| Q3 2025 | $204.6M | $175.9M | $145.2M | $16.7M | $1.4M | 0.92% | 3.54% | 0.00% |
| Q2 2025 | $209.0M | $179.5M | $146.7M | $15.4M | $883K | 0.85% | 3.46% | 0.13% |
| Q1 2025 | $205.8M | $179.8M | $142.0M | $15.0M | $370K | 0.71% | 3.33% | 0.00% |
| Q4 2024 | $210.7M | $185.1M | $143.1M | $14.4M | $778K | 0.37% | 3.06% | 0.00% |
| Q3 2024 | $209.8M | $182.6M | $140.6M | $15.2M | $478K | 0.31% | 3.00% | 0.05% |
Loan mix (Q2 2026): real estate $127.8M · commercial $7.9M · consumer $2.0M · securities $34.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.0% | 62.9% | 71th |
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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