| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 8.6% | 11.9% | -3.3 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $245.6M | $183.0M | $211.8M | $26.7M | $1.1M | 0.92% | 3.48% | 0.00% |
| Q1 2026 | $245.6M | $183.7M | $205.4M | $26.1M | $493K | 0.81% | 3.39% | 0.00% |
| Q4 2025 | $240.8M | $179.7M | $204.9M | $25.6M | $2.0M | 0.84% | 3.14% | 0.00% |
| Q3 2025 | $239.3M | $177.6M | $202.8M | $26.0M | $1.2M | 0.67% | 3.05% | 0.00% |
| Q2 2025 | $237.4M | $176.4M | $201.3M | $25.4M | $743K | 0.62% | 2.98% | 0.00% |
| Q1 2025 | $240.2M | $178.9M | $197.4M | $24.9M | $334K | 0.56% | 2.90% | 0.01% |
| Q4 2024 | $240.3M | $176.4M | $197.9M | $24.3M | $1.5M | 0.64% | 2.78% | 0.00% |
| Q3 2024 | $240.5M | $176.2M | $194.9M | $24.8M | $1.0M | 0.59% | 2.74% | 0.00% |
Loan mix (Q2 2026): real estate $211.8M · commercial $826K · consumer $650K · securities $14.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 8.6% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 62.9% | 68th |
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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