| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.1 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.4 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.3 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 13.9% | 11.9% | +2.1 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $152.2M | $128.0M | $114.4M | $14.6M | $983K | 1.33% | 4.19% | 0.32% |
| Q1 2026 | $146.2M | $122.6M | $115.3M | $14.1M | $483K | 1.33% | 4.18% | 0.00% |
| Q4 2025 | $144.1M | $120.4M | $116.8M | $13.7M | $1.5M | 1.09% | 3.97% | 0.06% |
| Q3 2025 | $144.1M | $121.0M | $113.9M | $13.5M | $1.0M | 0.98% | 3.83% | 0.00% |
| Q2 2025 | $137.7M | $115.0M | $108.6M | $12.9M | $648K | 0.94% | 3.75% | 0.00% |
| Q1 2025 | $140.2M | $119.3M | $106.2M | $11.2M | $390K | 1.13% | 3.61% | 0.00% |
| Q4 2024 | $135.0M | $114.5M | $105.8M | $10.8M | $726K | 0.56% | 3.78% | 0.00% |
| Q3 2024 | $133.8M | $113.7M | $105.6M | $10.7M | $533K | 0.55% | 3.77% | 0.00% |
Loan mix (Q2 2026): real estate $95.0M · commercial $11.1M · consumer $1.5M · securities $13.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 62.9% | 34th |
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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