| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.5% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -6.5% | +4.0% | -10.4 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 2.78% | 1.24% | +1.5 pts |
| ROE | 12.6% | 11.9% | +0.7 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.6M | $138.1M | $149.5M | $44.1M | $2.7M | 2.78% | 4.52% | 0.30% |
| Q1 2026 | $198.4M | $152.4M | $147.2M | $43.5M | $1.3M | 2.70% | 4.48% | 0.21% |
| Q4 2025 | $199.6M | $153.9M | $144.2M | $42.7M | $4.6M | 2.37% | 4.41% | 0.12% |
| Q3 2025 | $189.6M | $145.1M | $140.5M | $41.7M | $3.7M | 2.56% | 4.41% | 0.13% |
| Q2 2025 | $190.7M | $147.7M | $137.7M | $40.5M | $2.4M | 2.48% | 4.34% | 0.13% |
| Q1 2025 | $194.3M | $151.6M | $135.1M | $40.1M | $1.1M | 2.39% | 4.24% | 0.21% |
| Q4 2024 | $186.9M | $145.0M | $129.9M | $38.9M | $4.2M | 2.38% | 4.45% | 0.19% |
| Q3 2024 | $177.9M | $136.4M | $126.3M | $38.8M | $3.5M | 2.66% | 4.48% | 0.23% |
Loan mix (Q2 2026): real estate $102.7M · commercial $9.0M · consumer $3.5M · securities $28.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.78% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 12.6% | 11.9% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 62.9% | 3th |
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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