| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.1% | +4.0% | -3.9 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 17.0% | 11.9% | +5.2 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.2M | $117.9M | $89.6M | $11.1M | $928K | 1.41% | 4.07% | 0.23% |
| Q1 2026 | $131.0M | $118.6M | $87.9M | $10.9M | $499K | 1.51% | 4.04% | 0.66% |
| Q4 2025 | $134.1M | $122.0M | $90.9M | $10.8M | $1.7M | 1.31% | 3.87% | 0.45% |
| Q3 2025 | $128.6M | $116.6M | $89.3M | $10.7M | $1.3M | 1.33% | 3.85% | 0.53% |
| Q2 2025 | $129.3M | $117.8M | $90.5M | $10.0M | $836K | 1.30% | 3.79% | 0.12% |
| Q1 2025 | $127.7M | $116.4M | $91.1M | $9.9M | $428K | 1.34% | 3.73% | 0.06% |
| Q4 2024 | $128.1M | $117.3M | $90.8M | $9.4M | $1.3M | 1.07% | 3.44% | 0.05% |
| Q3 2024 | $124.8M | $113.6M | $86.9M | $9.9M | $1.1M | 1.13% | 3.40% | 0.07% |
Loan mix (Q2 2026): real estate $66.5M · commercial $15.2M · consumer $3.9M · securities $28.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.9% | 62.9% | 18th |
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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