| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 22.2% | 11.9% | +10.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $247.8M | $215.1M | $186.0M | $18.8M | $2.0M | 1.63% | 3.93% | 0.03% |
| Q1 2026 | $240.5M | $219.7M | $179.0M | $17.5M | $894K | 1.48% | 3.84% | 0.02% |
| Q4 2025 | $241.2M | $213.6M | $180.8M | $17.2M | $3.3M | 1.45% | 3.72% | 0.04% |
| Q3 2025 | $230.0M | $204.5M | $173.4M | $16.6M | $2.4M | 1.43% | 3.64% | 0.08% |
| Q2 2025 | $222.5M | $203.3M | $165.0M | $14.9M | $1.5M | 1.37% | 3.56% | 0.10% |
| Q1 2025 | $227.6M | $209.0M | $161.3M | $14.7M | $668K | 1.20% | 3.37% | 0.05% |
| Q4 2024 | $218.6M | $193.9M | $157.1M | $13.8M | $2.3M | 1.10% | 3.33% | 0.05% |
| Q3 2024 | $205.4M | $184.0M | $142.0M | $15.4M | $1.6M | 1.02% | 3.25% | 0.01% |
Loan mix (Q2 2026): real estate $173.2M · commercial $9.7M · consumer $1.6M · securities $45.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 37th |
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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