| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.4% | -7.7 pts |
| Deposit growth (YoY) | -4.6% | +4.0% | -8.5 pts |
| Loan growth (YoY) | -2.1% | +5.6% | -7.7 pts |
| ROA | 2.07% | 1.24% | +0.8 pts |
| ROE | 22.8% | 11.9% | +10.9 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $291.1M | $262.4M | $198.0M | $27.6M | $3.0M | 2.07% | 3.88% | 0.12% |
| Q1 2026 | $307.0M | $279.7M | $197.9M | $26.3M | $1.4M | 1.95% | 3.70% | 0.11% |
| Q4 2025 | $286.6M | $259.0M | $187.7M | $26.4M | $5.8M | 1.95% | 3.77% | 0.12% |
| Q3 2025 | $295.1M | $267.4M | $192.7M | $25.9M | $4.3M | 1.92% | 3.74% | 0.00% |
| Q2 2025 | $301.2M | $274.9M | $202.2M | $24.6M | $2.8M | 1.88% | 3.69% | 0.00% |
| Q1 2025 | $294.8M | $268.5M | $198.9M | $24.8M | $1.4M | 1.85% | 3.68% | 0.32% |
| Q4 2024 | $307.8M | $281.6M | $193.0M | $24.8M | $5.4M | 1.74% | 3.35% | 0.00% |
| Q3 2024 | $316.5M | $289.8M | $195.0M | $24.9M | $3.6M | 1.58% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $171.4M · commercial $29.8M · consumer $185K · securities $53.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.07% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 22.8% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.2% | 62.9% | 11th |
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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