| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.0% | +1.4 pts |
| Deposit growth (YoY) | +4.7% | +2.5% | +2.2 pts |
| Loan growth (YoY) | -1.0% | +2.6% | -3.6 pts |
| ROA | 3.27% | 0.99% | +2.3 pts |
| ROE | 25.1% | 8.1% | +17.0 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $62.0M | $53.8M | $50.0M | $8.0M | $1.0M | 3.27% | 5.12% | 1.56% |
| Q1 2026 | $61.2M | $53.3M | $48.2M | $7.7M | $492K | 3.24% | 5.16% | 1.48% |
| Q4 2025 | $60.4M | $51.1M | $50.6M | $8.2M | $1.9M | 3.10% | 5.18% | 1.63% |
| Q3 2025 | $59.4M | $49.9M | $50.5M | $7.8M | $1.3M | 2.81% | 5.15% | 2.06% |
| Q2 2025 | $59.4M | $51.4M | $50.5M | $7.5M | $837K | 2.77% | 5.14% | 2.09% |
| Q1 2025 | $60.8M | $53.5M | $48.5M | $7.2M | $429K | 2.82% | 5.10% | 2.09% |
| Q4 2024 | $61.0M | $53.4M | $49.3M | $7.5M | $1.4M | 2.25% | 4.31% | 2.08% |
| Q3 2024 | $60.0M | $49.4M | $47.6M | $7.4M | $1.1M | 2.28% | 4.16% | 2.18% |
Loan mix (Q2 2026): real estate $27.5M · commercial $4.1M · consumer $1.8M · securities $3.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.27% | 0.99% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 25.1% | 8.1% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 33.4% | 70.8% | 1th |
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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