| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +3.0% | +3.1 pts |
| Deposit growth (YoY) | -0.2% | +2.5% | -2.7 pts |
| Loan growth (YoY) | +13.0% | +2.6% | +10.4 pts |
| ROA | 0.91% | 0.99% | -0.1 pts |
| ROE | 10.6% | 8.1% | +2.5 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.5M | $72.2M | $38.3M | $7.1M | $369K | 0.91% | 3.26% | 1.13% |
| Q1 2026 | $82.2M | $74.8M | $34.9M | $6.7M | $144K | 0.72% | 3.23% | 0.75% |
| Q4 2025 | $78.5M | $70.6M | $32.8M | $7.1M | $322K | 0.41% | 3.04% | 0.15% |
| Q3 2025 | $77.6M | $69.1M | $33.7M | $6.4M | $166K | 0.29% | 3.02% | 0.15% |
| Q2 2025 | $78.7M | $72.3M | $33.9M | $5.6M | $18K | 0.05% | 2.97% | 0.14% |
| Q1 2025 | $78.4M | $72.4M | $32.7M | $5.2M | $-12K | -0.06% | 2.86% | 0.18% |
| Q4 2024 | $75.0M | $67.3M | $34.0M | $5.0M | $148K | 0.19% | 2.67% | 0.95% |
| Q3 2024 | $78.0M | $67.7M | $34.5M | $6.4M | $532K | 0.90% | 2.65% | 0.91% |
Loan mix (Q2 2026): real estate $28.4M · commercial $3.5M · consumer $4.4M · securities $40.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 0.99% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 8.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 70.8% | 53th |
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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