| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +10.4% | +5.6% | +4.8 pts |
| ROA | 1.74% | 1.24% | +0.5 pts |
| ROE | 24.3% | 11.9% | +12.5 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $336.2M | $308.5M | $218.2M | $23.5M | $2.9M | 1.74% | 4.89% | 0.68% |
| Q1 2026 | $331.0M | $307.7M | $212.1M | $21.8M | $1.2M | 1.38% | 4.80% | 0.80% |
| Q4 2025 | $342.4M | $314.1M | $210.7M | $26.7M | $4.6M | 1.38% | 4.58% | 0.87% |
| Q3 2025 | $335.0M | $308.8M | $205.5M | $24.3M | $2.9M | 1.19% | 4.48% | 0.81% |
| Q2 2025 | $321.4M | $298.5M | $197.6M | $21.5M | $2.1M | 1.28% | 4.36% | 0.73% |
| Q1 2025 | $320.6M | $297.9M | $218.0M | $19.4M | $433K | 0.53% | 4.27% | 0.12% |
| Q4 2024 | $329.9M | $306.3M | $216.9M | $20.1M | $5.0M | 1.57% | 4.14% | 0.04% |
| Q3 2024 | $337.3M | $312.7M | $212.4M | $21.4M | $3.5M | 1.45% | 4.07% | 0.29% |
Loan mix (Q2 2026): real estate $147.1M · commercial $25.9M · consumer $6.5M · securities $91.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.74% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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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