| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 1.08% | 1.24% | -0.2 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.6M | $276.9M | $126.3M | $22.0M | $1.6M | 1.08% | 3.18% | 0.41% |
| Q1 2026 | $305.6M | $276.5M | $125.2M | $20.6M | $814K | 1.07% | 3.14% | 0.45% |
| Q4 2025 | $304.6M | $275.6M | $120.6M | $20.8M | $3.0M | 1.03% | 3.14% | 0.43% |
| Q3 2025 | $297.2M | $268.6M | $123.4M | $20.2M | $2.2M | 1.02% | 3.12% | 0.36% |
| Q2 2025 | $289.5M | $263.8M | $121.0M | $17.3M | $1.4M | 1.01% | 3.08% | 0.40% |
| Q1 2025 | $283.7M | $258.9M | $115.1M | $16.5M | $652K | 0.92% | 2.98% | 0.34% |
| Q4 2024 | $286.1M | $263.5M | $115.6M | $14.3M | $2.3M | 0.85% | 2.96% | 0.35% |
| Q3 2024 | $276.0M | $248.8M | $115.6M | $18.9M | $1.7M | 0.82% | 2.94% | 0.38% |
Loan mix (Q2 2026): real estate $95.0M · commercial $20.1M · consumer $11.7M · securities $143.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.08% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 62.9% | 27th |
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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