| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | -3.9% | +5.6% | -9.5 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.7M | $170.8M | $92.8M | $25.7M | $1.6M | 1.61% | 4.60% | 0.86% |
| Q1 2026 | $202.5M | $170.9M | $100.4M | $26.1M | $880K | 1.74% | 4.52% | 0.91% |
| Q4 2025 | $201.7M | $170.1M | $101.8M | $26.5M | $2.5M | 1.25% | 4.37% | 0.91% |
| Q3 2025 | $205.4M | $169.7M | $103.2M | $26.6M | $1.8M | 1.16% | 4.28% | 1.52% |
| Q2 2025 | $196.8M | $167.2M | $96.6M | $25.3M | $1.0M | 1.00% | 4.23% | 1.91% |
| Q1 2025 | $201.3M | $171.5M | $95.5M | $24.7M | $502K | 0.99% | 4.01% | 1.87% |
| Q4 2024 | $205.3M | $176.1M | $97.6M | $24.4M | $3.0M | 1.50% | 4.20% | 1.83% |
| Q3 2024 | $207.7M | $175.3M | $99.1M | $24.2M | $2.0M | 1.33% | 4.16% | 1.84% |
Loan mix (Q2 2026): real estate $59.2M · commercial $24.6M · consumer $2.9M · securities $65.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.2% | 62.9% | 30th |
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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