| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.3% | +4.4% | -5.6 pts |
| Deposit growth (YoY) | -3.4% | +4.0% | -7.3 pts |
| Loan growth (YoY) | +6.3% | +5.6% | +0.7 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 19.5% | 11.9% | +7.6 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $212.7M | $192.2M | $114.1M | $14.9M | $1.5M | 1.33% | 3.47% | 0.00% |
| Q1 2026 | $232.5M | $212.3M | $114.8M | $15.1M | $711K | 1.28% | 3.32% | 0.00% |
| Q4 2025 | $212.5M | $192.6M | $114.7M | $14.9M | $2.8M | 1.29% | 3.17% | 0.01% |
| Q3 2025 | $227.5M | $208.8M | $111.0M | $14.1M | $2.1M | 1.26% | 3.08% | 0.00% |
| Q2 2025 | $215.5M | $198.9M | $107.3M | $11.7M | $1.4M | 1.34% | 3.08% | 0.00% |
| Q1 2025 | $228.4M | $212.1M | $108.9M | $11.5M | $788K | 1.45% | 2.99% | 0.00% |
| Q4 2024 | $205.2M | $186.9M | $110.8M | $9.5M | $2.0M | 0.95% | 2.84% | 0.00% |
| Q3 2024 | $212.7M | $197.3M | $104.5M | $12.6M | $1.5M | 0.96% | 2.78% | 0.00% |
Loan mix (Q2 2026): real estate $73.3M · commercial $8.1M · consumer $2.2M · securities $80.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 19.5% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 62.9% | 43th |
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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