| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 0.67% | 1.24% | -0.6 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.1M | $168.2M | $113.2M | $21.6M | $744K | 0.67% | 3.38% | 0.08% |
| Q1 2026 | $219.8M | $164.5M | $108.6M | $21.2M | $348K | 0.64% | 3.33% | 0.08% |
| Q4 2025 | $215.9M | $166.8M | $104.6M | $21.4M | $1.5M | 0.71% | 3.02% | 0.07% |
| Q3 2025 | $220.0M | $164.7M | $107.3M | $20.8M | $1.2M | 0.74% | 2.90% | 0.08% |
| Q2 2025 | $216.4M | $166.1M | $101.6M | $19.7M | $1.2M | 1.10% | 2.86% | 0.08% |
| Q1 2025 | $210.8M | $166.4M | $98.4M | $18.1M | $227K | 0.44% | 2.80% | 0.09% |
| Q4 2024 | $203.5M | $144.3M | $94.0M | $16.8M | $298K | 0.14% | 2.24% | 0.09% |
| Q3 2024 | $197.7M | $145.1M | $91.9M | $19.1M | $309K | 0.19% | 2.18% | 0.11% |
Loan mix (Q2 2026): real estate $85.6M · commercial $19.9M · consumer $1.9M · securities $102.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.24% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 62.9% | 71th |
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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