| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | +2.8% | +2.5% | +0.3 pts |
| Loan growth (YoY) | +12.9% | +2.6% | +10.3 pts |
| ROA | 1.29% | 0.99% | +0.3 pts |
| ROE | 19.2% | 8.1% | +11.1 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.2M | $58.4M | $41.7M | $4.6M | $438K | 1.29% | 4.45% | 0.03% |
| Q1 2026 | $68.7M | $55.0M | $42.7M | $4.5M | $223K | 1.31% | 4.56% | 0.03% |
| Q4 2025 | $67.7M | $55.0M | $40.3M | $4.6M | $817K | 1.23% | 3.96% | 0.03% |
| Q3 2025 | $67.1M | $59.7M | $38.8M | $4.3M | $567K | 1.14% | 3.91% | 0.17% |
| Q2 2025 | $65.4M | $56.8M | $36.9M | $3.9M | $353K | 1.07% | 3.83% | 0.16% |
| Q1 2025 | $66.5M | $57.1M | $37.2M | $3.7M | $154K | 0.93% | 3.71% | 0.13% |
| Q4 2024 | $66.1M | $56.9M | $36.6M | $3.5M | $667K | 1.00% | 3.51% | 0.17% |
| Q3 2024 | $66.4M | $58.2M | $34.8M | $3.8M | $457K | 0.91% | 3.50% | 0.17% |
Loan mix (Q2 2026): real estate $31.8M · commercial $4.8M · consumer $3.3M · securities $19.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 70.8% | 42th |
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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