| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +3.0% | +2.3 pts |
| Deposit growth (YoY) | +5.0% | +2.5% | +2.5 pts |
| Loan growth (YoY) | -2.8% | +2.6% | -5.4 pts |
| ROA | 1.56% | 0.99% | +0.6 pts |
| ROE | 12.7% | 8.1% | +4.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $80.3M | $69.9M | $24.1M | $10.0M | $632K | 1.56% | 3.15% | 0.13% |
| Q1 2026 | $83.8M | $73.3M | $24.6M | $10.0M | $317K | 1.55% | 3.11% | 0.09% |
| Q4 2025 | $79.8M | $69.5M | $25.5M | $10.0M | $1.2M | 1.59% | 3.29% | 0.11% |
| Q3 2025 | $78.1M | $67.9M | $24.8M | $9.8M | $943K | 1.65% | 3.30% | 0.01% |
| Q2 2025 | $76.3M | $66.5M | $24.7M | $9.3M | $608K | 1.61% | 3.29% | 0.01% |
| Q1 2025 | $77.9M | $68.4M | $23.6M | $9.1M | $310K | 1.65% | 3.25% | 0.03% |
| Q4 2024 | $72.7M | $63.8M | $23.6M | $8.6M | $1.2M | 1.68% | 3.43% | 0.03% |
| Q3 2024 | $71.8M | $62.3M | $23.4M | $9.0M | $981K | 1.86% | 3.47% | 0.00% |
Loan mix (Q2 2026): real estate $6.8M · commercial $3.2M · consumer $5.9M · securities $34.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 0.99% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 8.1% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.7% | 70.8% | 8th |
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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