| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +3.0% | +2.8 pts |
| Deposit growth (YoY) | +6.2% | +2.5% | +3.7 pts |
| Loan growth (YoY) | -4.7% | +2.6% | -7.3 pts |
| ROA | 1.24% | 0.99% | +0.2 pts |
| ROE | 19.4% | 8.1% | +11.3 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.0M | $60.0M | $36.3M | $4.1M | $383K | 1.24% | 3.70% | 0.07% |
| Q1 2026 | $62.4M | $57.5M | $36.2M | $3.9M | $171K | 1.14% | 3.72% | 0.41% |
| Q4 2025 | $57.6M | $52.8M | $37.3M | $3.9M | $609K | 1.04% | 3.81% | 0.06% |
| Q3 2025 | $60.2M | $55.4M | $37.9M | $3.8M | $490K | 1.11% | 3.80% | 0.38% |
| Q2 2025 | $61.4M | $56.5M | $38.1M | $3.7M | $318K | 1.09% | 3.79% | 0.51% |
| Q1 2025 | $57.3M | $52.4M | $37.2M | $3.7M | $157K | 1.10% | 3.85% | 0.50% |
| Q4 2024 | $57.0M | $52.1M | $37.6M | $3.6M | $542K | 0.97% | 3.76% | 0.03% |
| Q3 2024 | $55.1M | $50.3M | $37.0M | $3.6M | $413K | 0.99% | 3.74% | 0.04% |
Loan mix (Q2 2026): real estate $26.9M · commercial $4.4M · consumer $3.5M · securities $7.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 0.99% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 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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