| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +3.0% | +7.5 pts |
| Deposit growth (YoY) | +10.4% | +2.5% | +7.9 pts |
| Loan growth (YoY) | -0.1% | +2.6% | -2.8 pts |
| ROA | 1.00% | 0.99% | +0.0 pts |
| ROE | 7.5% | 8.1% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $40.9M | $34.7M | $23.1M | $5.6M | $207K | 1.00% | 4.29% | 0.34% |
| Q1 2026 | $40.7M | $34.7M | $23.4M | $5.5M | $117K | 1.12% | 4.18% | 0.41% |
| Q4 2025 | $42.9M | $36.8M | $24.2M | $5.5M | $556K | 1.43% | 5.00% | 0.69% |
| Q3 2025 | $40.6M | $34.7M | $22.8M | $5.3M | $450K | 1.58% | 5.27% | 0.62% |
| Q2 2025 | $37.1M | $31.4M | $23.1M | $5.1M | $341K | 1.84% | 5.84% | 0.45% |
| Q1 2025 | $36.8M | $31.4M | $23.1M | $4.9M | $106K | 1.15% | 4.25% | 0.26% |
| Q4 2024 | $37.2M | $32.0M | $23.4M | $4.8M | $301K | 0.81% | 4.14% | 0.23% |
| Q3 2024 | $37.2M | $31.9M | $22.9M | $4.8M | $216K | 0.77% | 4.12% | 0.30% |
Loan mix (Q2 2026): real estate $16.7M · commercial $2.0M · consumer $2.1M · securities $10.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.99% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 7.5% | 8.1% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 70.8% | 40th |
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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