| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.5 pts |
| ROA | 1.73% | 1.24% | +0.5 pts |
| ROE | 17.4% | 11.9% | +5.6 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $255.2M | $229.3M | $149.3M | $24.9M | $2.2M | 1.73% | 4.37% | 0.43% |
| Q1 2026 | $260.6M | $234.3M | $149.2M | $25.5M | $998K | 1.58% | 4.27% | 0.43% |
| Q4 2025 | $245.1M | $219.3M | $146.0M | $25.2M | $4.4M | 1.83% | 4.41% | 0.95% |
| Q3 2025 | $241.2M | $216.4M | $143.6M | $23.7M | $3.6M | 1.99% | 4.43% | 0.94% |
| Q2 2025 | $239.4M | $217.0M | $140.8M | $21.5M | $2.3M | 1.90% | 4.38% | 0.90% |
| Q1 2025 | $248.9M | $225.8M | $145.0M | $22.2M | $1.2M | 1.94% | 4.33% | 0.08% |
| Q4 2024 | $236.4M | $214.4M | $142.2M | $21.2M | $4.6M | 2.00% | 4.42% | 0.10% |
| Q3 2024 | $228.8M | $205.9M | $135.1M | $21.8M | $3.5M | 2.05% | 4.43% | 0.11% |
Loan mix (Q2 2026): real estate $88.7M · commercial $11.8M · consumer $11.7M · securities $88.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.73% | 1.24% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33th |
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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