| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +3.1% | +2.5% | +0.6 pts |
| Loan growth (YoY) | +3.8% | +2.6% | +1.2 pts |
| ROA | 1.93% | 0.99% | +0.9 pts |
| ROE | 10.6% | 8.1% | +2.5 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $52.0M | $42.1M | $37.8M | $9.8M | $506K | 1.93% | 3.70% | 0.00% |
| Q1 2026 | $53.1M | $43.5M | $36.0M | $9.5M | $259K | 1.96% | 3.60% | 0.59% |
| Q4 2025 | $52.4M | $43.1M | $35.7M | $9.3M | $661K | 1.29% | 3.64% | 0.18% |
| Q3 2025 | $52.0M | $42.2M | $36.8M | $9.7M | $731K | 1.92% | 3.59% | 0.53% |
| Q2 2025 | $50.3M | $40.9M | $36.4M | $9.4M | $453K | 1.80% | 3.52% | 0.04% |
| Q1 2025 | $50.1M | $40.9M | $36.1M | $9.1M | $209K | 1.66% | 3.34% | 0.00% |
| Q4 2024 | $50.8M | $41.8M | $35.4M | $8.9M | $468K | 0.91% | 3.20% | 0.00% |
| Q3 2024 | $51.2M | $41.7M | $34.8M | $9.4M | $580K | 1.50% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $26.7M · commercial $2.7M · consumer $6.2M · securities $6.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 0.99% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 8.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 70.8% | 4th |
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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