| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +3.0% | -0.2 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 33.31% | 0.99% | +32.3 pts |
| ROE | 34.6% | 8.1% | +26.5 pts |
ROA ranks in the 100th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $74.6M | $500K | $0 | $72.3M | $11.5M | 33.31% | 3.81% | 0.00% |
| Q1 2026 | $67.9M | $500K | $0 | $66.2M | $5.4M | 32.49% | 3.86% | 0.00% |
| Q4 2025 | $64.4M | $500K | $0 | $60.8M | $19.3M | 27.95% | 4.52% | 0.00% |
| Q3 2025 | $78.2M | $500K | $0 | $75.6M | $15.1M | 28.63% | 4.12% | 0.00% |
| Q2 2025 | $72.6M | $500K | $0 | $70.1M | $9.6M | 28.49% | 4.15% | 0.00% |
| Q1 2025 | $67.1M | $500K | $0 | $65.2M | $4.7M | 28.84% | 4.23% | 0.00% |
| Q4 2024 | $63.3M | $500K | $0 | $60.5M | $16.1M | 20.29% | 5.08% | 0.00% |
| Q3 2024 | $90.5M | $500K | $0 | $87.8M | $13.4M | 21.53% | 4.72% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $66.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 33.31% | 0.99% | 100th | |
Return on equity Annualized net income ÷ equity or net worth | 34.6% | 8.1% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.9% | 70.8% | 2th |
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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