| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.9% | +1.6 pts |
| Deposit growth (YoY) | +2.3% | +4.3% | -2.1 pts |
| Loan growth (YoY) | +8.0% | +5.3% | +2.7 pts |
| ROA | 1.25% | 1.28% | -0.0 pts |
| ROE | 16.3% | 12.4% | +3.9 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $506.0M | $446.3M | $405.7M | $39.0M | $3.1M | 1.25% | 4.02% | 0.86% |
| Q1 2026 | $488.3M | $446.8M | $388.7M | $38.1M | $1.5M | 1.22% | 3.87% | 0.80% |
| Q4 2025 | $492.7M | $438.2M | $387.9M | $37.2M | $4.4M | 0.93% | 3.85% | 0.97% |
| Q3 2025 | $490.1M | $429.8M | $383.1M | $37.2M | $3.6M | 1.02% | 3.84% | 0.68% |
| Q2 2025 | $475.1M | $436.4M | $375.5M | $35.0M | $2.4M | 1.03% | 3.85% | 1.75% |
| Q1 2025 | $462.2M | $423.6M | $366.2M | $35.4M | $1.2M | 1.05% | 3.73% | 1.05% |
| Q4 2024 | $471.9M | $423.9M | $374.6M | $34.2M | $3.6M | 0.78% | 3.54% | 0.66% |
| Q3 2024 | $466.4M | $406.2M | $370.7M | $35.7M | $2.9M | 0.85% | 3.48% | 0.58% |
Loan mix (Q2 2026): real estate $333.7M · commercial $20.3M · consumer $11.9M · securities $45.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 1.28% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 16.3% | 12.4% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 61.2% | 75th |
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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