| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +7.6% | +5.6% | +2.0 pts |
| ROA | 1.66% | 1.24% | +0.4 pts |
| ROE | 21.3% | 11.9% | +9.5 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $113.8M | $103.9M | $84.6M | $9.0M | $941K | 1.66% | 4.77% | 0.02% |
| Q1 2026 | $112.0M | $102.5M | $80.4M | $8.7M | $472K | 1.67% | 4.77% | 0.17% |
| Q4 2025 | $113.5M | $99.7M | $85.4M | $8.8M | $1.6M | 1.49% | 4.94% | 0.00% |
| Q3 2025 | $110.1M | $100.8M | $79.9M | $8.3M | $1.1M | 1.35% | 4.87% | 0.00% |
| Q2 2025 | $108.4M | $99.7M | $78.6M | $7.7M | $622K | 1.17% | 4.77% | 0.00% |
| Q1 2025 | $104.4M | $94.8M | $75.5M | $7.5M | $314K | 1.19% | 4.69% | 0.01% |
| Q4 2024 | $106.2M | $95.9M | $76.8M | $7.4M | $1.3M | 1.21% | 4.50% | 0.02% |
| Q3 2024 | $106.8M | $96.5M | $77.0M | $7.4M | $904K | 1.13% | 4.39% | 0.08% |
Loan mix (Q2 2026): real estate $61.6M · commercial $12.3M · consumer $2.4M · securities $13.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 21.3% | 11.9% | 91th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
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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