| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.9% | +1.2 pts |
| Deposit growth (YoY) | +5.6% | +4.3% | +1.3 pts |
| Loan growth (YoY) | +9.3% | +5.3% | +4.0 pts |
| ROA | 1.29% | 1.28% | +0.0 pts |
| ROE | 11.2% | 12.4% | -1.2 pts |
ROA ranks in the 51st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $566.5M | $478.4M | $325.7M | $65.8M | $3.7M | 1.29% | 3.81% | 0.16% |
| Q1 2026 | $568.6M | $481.8M | $311.6M | $64.0M | $1.6M | 1.10% | 3.73% | 0.12% |
| Q4 2025 | $567.3M | $478.8M | $306.6M | $66.2M | $5.8M | 1.06% | 3.67% | 0.10% |
| Q3 2025 | $539.8M | $454.0M | $296.7M | $63.4M | $4.7M | 1.16% | 3.67% | 0.12% |
| Q2 2025 | $533.8M | $453.2M | $297.9M | $58.4M | $2.6M | 0.97% | 3.60% | 0.11% |
| Q1 2025 | $533.4M | $455.2M | $280.0M | $55.8M | $767K | 0.58% | 3.45% | 0.12% |
| Q4 2024 | $533.1M | $453.4M | $273.9M | $53.5M | $4.7M | 0.91% | 3.30% | 0.10% |
| Q3 2024 | $508.7M | $426.3M | $265.5M | $56.6M | $4.2M | 1.09% | 3.31% | 0.09% |
Loan mix (Q2 2026): real estate $233.9M · commercial $20.6M · consumer $6.6M · securities $179.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.28% | 51th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 12.4% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 61.2% | 30th |
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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