| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +11.4% | +5.6% | +5.8 pts |
| ROA | 1.78% | 1.24% | +0.5 pts |
| ROE | 19.6% | 11.9% | +7.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.1M | $134.5M | $96.3M | $13.2M | $1.3M | 1.78% | 3.98% | 0.00% |
| Q1 2026 | $149.9M | $136.0M | $93.4M | $13.5M | $616K | 1.68% | 3.91% | 0.00% |
| Q4 2025 | $143.7M | $130.0M | $93.0M | $13.4M | $2.3M | 1.57% | 3.63% | 0.03% |
| Q3 2025 | $140.8M | $125.7M | $90.6M | $13.2M | $1.7M | 1.54% | 3.58% | 0.03% |
| Q2 2025 | $145.9M | $133.1M | $86.5M | $12.4M | $1.0M | 1.42% | 3.42% | 0.28% |
| Q1 2025 | $144.4M | $132.0M | $84.7M | $12.1M | $482K | 1.34% | 3.39% | 0.00% |
| Q4 2024 | $143.6M | $130.6M | $87.2M | $11.5M | $1.7M | 1.18% | 3.04% | 0.00% |
| Q3 2024 | $138.6M | $125.2M | $85.2M | $11.9M | $1.2M | 1.12% | 2.96% | 0.00% |
Loan mix (Q2 2026): real estate $59.5M · commercial $11.9M · consumer $2.1M · securities $33.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 62.9% | 20th |
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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