| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | -3.3% | +2.6% | -5.8 pts |
| ROA | 1.18% | 0.99% | +0.2 pts |
| ROE | 7.7% | 8.1% | -0.3 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $82.9M | $70.1M | $23.8M | $12.7M | $482K | 1.18% | 3.01% | 0.01% |
| Q1 2026 | $81.0M | $68.4M | $24.8M | $12.3M | $215K | 1.06% | 2.95% | 0.01% |
| Q4 2025 | $80.6M | $67.8M | $24.1M | $12.4M | $1.0M | 1.27% | 2.85% | 0.01% |
| Q3 2025 | $81.0M | $68.4M | $23.7M | $12.2M | $788K | 1.33% | 2.80% | 0.01% |
| Q2 2025 | $79.3M | $67.4M | $24.6M | $11.6M | $572K | 1.47% | 2.74% | 0.01% |
| Q1 2025 | $78.6M | $67.3M | $24.0M | $11.0M | $352K | 1.82% | 2.64% | 0.01% |
| Q4 2024 | $76.0M | $65.6M | $22.7M | $10.2M | $584K | 0.77% | 2.64% | 0.23% |
| Q3 2024 | $76.6M | $65.3M | $23.7M | $11.1M | $453K | 0.80% | 2.63% | 0.22% |
Loan mix (Q2 2026): real estate $18.1M · commercial $3.6M · consumer $1.7M · securities $45.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.99% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 8.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.01% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 70.8% | 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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