| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +6.3% | +4.0% | +2.3 pts |
| Loan growth (YoY) | -5.4% | +5.6% | -11.0 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 15.5% | 11.9% | +3.6 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 | $139.8M | $120.7M | $87.4M | $12.0M | $942K | 1.34% | 4.12% | 2.85% |
| Q1 2026 | $141.4M | $122.5M | $90.0M | $11.8M | $416K | 1.18% | 4.02% | 2.80% |
| Q4 2025 | $141.4M | $121.5M | $90.8M | $12.8M | $2.2M | 1.62% | 4.52% | 0.00% |
| Q3 2025 | $135.7M | $116.0M | $86.5M | $12.3M | $1.7M | 1.66% | 4.53% | 0.00% |
| Q2 2025 | $132.8M | $113.5M | $92.4M | $11.9M | $1.1M | 1.67% | 4.52% | 0.00% |
| Q1 2025 | $136.0M | $119.2M | $96.8M | $11.5M | $523K | 1.53% | 4.33% | 0.00% |
| Q4 2024 | $137.9M | $121.2M | $94.0M | $11.5M | $1.8M | 1.29% | 4.00% | 0.00% |
| Q3 2024 | $138.8M | $122.1M | $88.0M | $11.2M | $1.2M | 1.18% | 3.84% | 0.00% |
Loan mix (Q2 2026): real estate $48.3M · commercial $5.6M · consumer $1.4M · securities $33.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.6% | 62.9% | 46th |
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% |
The full ratio pack is part of CharterBench Pro.