| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $306.1M | $279.5M | $203.8M | $24.6M | $2.3M | 1.51% | 3.34% | 0.00% |
| Q1 2026 | $314.5M | $288.4M | $189.8M | $24.4M | $1.1M | 1.44% | 3.24% | 0.01% |
| Q4 2025 | $304.6M | $280.0M | $186.0M | $23.0M | $3.5M | 1.23% | 3.03% | 0.00% |
| Q3 2025 | $299.6M | $275.4M | $177.8M | $22.2M | $2.5M | 1.18% | 2.96% | 0.00% |
| Q2 2025 | $295.9M | $273.6M | $173.4M | $20.6M | $1.6M | 1.13% | 2.88% | 0.18% |
| Q1 2025 | $279.4M | $257.7M | $168.4M | $20.0M | $734K | 1.10% | 2.85% | 0.05% |
| Q4 2024 | $253.5M | $233.4M | $165.6M | $18.6M | $2.7M | 1.08% | 2.74% | 0.00% |
| Q3 2024 | $253.8M | $233.1M | $160.1M | $19.0M | $1.9M | 1.02% | 2.64% | 0.00% |
Loan mix (Q2 2026): real estate $176.0M · commercial $16.3M · consumer $4.1M · securities $52.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.7% | 62.9% | 26th |
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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