| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +9.8% | +4.0% | +5.8 pts |
| Loan growth (YoY) | -4.0% | +5.6% | -9.6 pts |
| ROA | 1.62% | 1.24% | +0.4 pts |
| ROE | 17.3% | 11.9% | +5.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.9M | $209.7M | $130.2M | $21.7M | $1.8M | 1.62% | 3.71% | 0.04% |
| Q1 2026 | $225.1M | $202.7M | $133.9M | $21.0M | $806K | 1.45% | 3.59% | 0.03% |
| Q4 2025 | $219.1M | $187.5M | $144.6M | $20.4M | $3.5M | 1.70% | 4.03% | 0.03% |
| Q3 2025 | $207.7M | $181.5M | $138.4M | $19.5M | $2.6M | 1.72% | 4.03% | 0.05% |
| Q2 2025 | $213.2M | $191.0M | $135.6M | $20.6M | $1.7M | 1.69% | 3.93% | 0.50% |
| Q1 2025 | $205.6M | $184.7M | $133.1M | $19.6M | $788K | 1.58% | 3.84% | 0.06% |
| Q4 2024 | $192.7M | $172.2M | $138.7M | $18.7M | $3.0M | 1.58% | 4.08% | 0.03% |
| Q3 2024 | $183.4M | $163.0M | $133.7M | $18.3M | $2.4M | 1.63% | 4.10% | 0.18% |
Loan mix (Q2 2026): real estate $53.5M · commercial $8.7M · consumer $3.7M · securities $81.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.62% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 17.3% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 62.9% | 11th |
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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