| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +1.0 pts |
| ROA | 1.24% | 1.24% | +0.0 pts |
| ROE | 17.0% | 11.9% | +5.1 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $119.7M | $109.7M | $52.5M | $9.0M | $752K | 1.24% | 3.39% | 0.05% |
| Q1 2026 | $123.7M | $113.8M | $50.3M | $8.9M | $374K | 1.22% | 3.32% | 0.00% |
| Q4 2025 | $120.6M | $110.9M | $52.3M | $8.7M | $1.3M | 1.15% | 3.26% | 0.02% |
| Q3 2025 | $119.5M | $110.3M | $51.1M | $8.3M | $970K | 1.13% | 3.20% | 0.03% |
| Q2 2025 | $111.4M | $102.8M | $49.3M | $7.7M | $627K | 1.11% | 3.14% | 0.07% |
| Q1 2025 | $115.6M | $107.7M | $46.1M | $7.2M | $321K | 1.13% | 3.14% | 0.06% |
| Q4 2024 | $111.4M | $104.1M | $50.4M | $6.3M | $1.1M | 1.02% | 3.04% | 0.00% |
| Q3 2024 | $112.6M | $104.8M | $48.6M | $6.9M | $850K | 1.02% | 2.98% | 0.07% |
Loan mix (Q2 2026): real estate $37.3M · commercial $4.5M · consumer $3.7M · securities $46.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 17.0% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.8% | 62.9% | 59th |
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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