| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.4 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +1.0 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 11.8% | 11.9% | -0.1 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.1M | $149.4M | $123.6M | $16.5M | $960K | 1.10% | 4.37% | 0.71% |
| Q1 2026 | $173.6M | $146.6M | $119.3M | $16.4M | $498K | 1.15% | 4.35% | 0.90% |
| Q4 2025 | $174.0M | $146.5M | $118.0M | $16.1M | $1.0M | 0.61% | 3.92% | 0.79% |
| Q3 2025 | $170.3M | $143.8M | $111.7M | $15.9M | $854K | 0.67% | 3.82% | 0.80% |
| Q2 2025 | $168.8M | $141.8M | $116.0M | $15.2M | $523K | 0.61% | 3.74% | 1.14% |
| Q1 2025 | $168.5M | $141.9M | $113.4M | $14.7M | $279K | 0.65% | 3.61% | 1.10% |
| Q4 2024 | $173.0M | $145.9M | $113.4M | $13.7M | $722K | 0.43% | 3.40% | 1.07% |
| Q3 2024 | $168.0M | $140.3M | $113.5M | $14.8M | $556K | 0.45% | 3.34% | 1.07% |
Loan mix (Q2 2026): real estate $103.4M · commercial $20.4M · consumer $735K · securities $42.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 11.8% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.1% | 62.9% | 64th |
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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