| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.7 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.5 pts |
| Loan growth (YoY) | -0.3% | +5.6% | -5.9 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.3% | 11.9% | -1.5 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.3M | $143.4M | $73.2M | $19.4M | $1.0M | 1.19% | 3.84% | 0.78% |
| Q1 2026 | $164.6M | $140.7M | $70.9M | $19.5M | $494K | 1.18% | 3.80% | 0.40% |
| Q4 2025 | $170.7M | $147.2M | $71.6M | $19.2M | $1.7M | 1.01% | 3.63% | 0.64% |
| Q3 2025 | $163.8M | $140.8M | $72.3M | $18.7M | $1.2M | 0.96% | 3.62% | 0.70% |
| Q2 2025 | $161.4M | $140.0M | $73.4M | $17.2M | $790K | 0.97% | 3.61% | 0.62% |
| Q1 2025 | $159.7M | $138.4M | $71.8M | $17.2M | $357K | 0.87% | 3.52% | 0.53% |
| Q4 2024 | $167.1M | $146.9M | $72.5M | $16.3M | $1.5M | 0.89% | 3.39% | 0.35% |
| Q3 2024 | $165.3M | $143.8M | $70.0M | $17.5M | $974K | 0.80% | 3.35% | 0.22% |
Loan mix (Q2 2026): real estate $40.1M · commercial $10.4M · consumer $2.6M · securities $58.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 61th |
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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