| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.3 pts |
| ROA | 1.93% | 1.24% | +0.7 pts |
| ROE | 23.8% | 11.9% | +11.9 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $174.7M | $159.7M | $81.0M | $13.8M | $1.7M | 1.93% | 4.35% | 1.30% |
| Q1 2026 | $174.2M | $159.6M | $76.6M | $13.5M | $794K | 1.84% | 4.23% | 1.33% |
| Q4 2025 | $170.7M | $154.6M | $78.4M | $15.0M | $3.4M | 2.01% | 4.37% | 0.21% |
| Q3 2025 | $169.4M | $153.7M | $75.9M | $14.2M | $2.6M | 2.06% | 4.37% | 0.46% |
| Q2 2025 | $168.8M | $154.3M | $75.1M | $13.2M | $1.7M | 2.06% | 4.34% | 0.01% |
| Q1 2025 | $173.1M | $159.3M | $75.5M | $12.6M | $873K | 2.07% | 4.23% | 0.56% |
| Q4 2024 | $164.8M | $150.2M | $77.8M | $13.4M | $3.3M | 2.02% | 4.35% | 0.33% |
| Q3 2024 | $164.1M | $149.1M | $81.6M | $13.5M | $2.6M | 2.08% | 4.37% | 0.63% |
Loan mix (Q2 2026): real estate $63.6M · commercial $12.5M · consumer $3.3M · securities $59.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.93% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 23.8% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.5% | 62.9% | 37th |
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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