| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +3.0% | -0.9 pts |
| Deposit growth (YoY) | +1.5% | +2.5% | -1.0 pts |
| Loan growth (YoY) | +8.6% | +2.6% | +6.0 pts |
| ROA | 1.31% | 0.99% | +0.3 pts |
| ROE | 7.8% | 8.1% | -0.3 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.0M | $76.8M | $60.5M | $15.9M | $611K | 1.31% | 3.80% | 0.04% |
| Q1 2026 | $93.5M | $77.6M | $59.6M | $15.5M | $291K | 1.25% | 3.67% | 0.04% |
| Q4 2025 | $92.8M | $76.8M | $59.5M | $15.6M | $908K | 1.00% | 3.48% | 0.04% |
| Q3 2025 | $90.7M | $74.9M | $57.3M | $15.4M | $674K | 1.00% | 3.42% | 0.04% |
| Q2 2025 | $91.1M | $75.7M | $55.7M | $15.1M | $426K | 0.95% | 3.36% | 0.04% |
| Q1 2025 | $89.4M | $74.2M | $53.4M | $14.9M | $202K | 0.91% | 3.29% | 0.04% |
| Q4 2024 | $88.4M | $73.2M | $52.5M | $15.0M | $762K | 0.87% | 3.26% | 0.04% |
| Q3 2024 | $87.1M | $72.1M | $50.3M | $14.7M | $497K | 0.76% | 3.25% | 0.06% |
Loan mix (Q2 2026): real estate $51.2M · commercial $3.7M · consumer $5.4M · securities $27.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.99% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 8.1% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 70.8% | 21th |
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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