| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 14.7% | 11.9% | +2.9 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $486.4M | $436.8M | $306.9M | $47.0M | $3.3M | 1.36% | 4.14% | 0.00% |
| Q1 2026 | $473.5M | $426.0M | $294.1M | $41.3M | $1.4M | 1.18% | 4.07% | 0.01% |
| Q4 2025 | $490.5M | $441.8M | $290.9M | $45.7M | $5.6M | 1.20% | 3.91% | 0.00% |
| Q3 2025 | $472.1M | $426.5M | $293.9M | $40.6M | $3.5M | 1.01% | 3.88% | 0.01% |
| Q2 2025 | $464.3M | $421.0M | $292.3M | $39.6M | $2.2M | 0.97% | 3.81% | 0.01% |
| Q1 2025 | $451.4M | $409.8M | $281.3M | $38.6M | $993K | 0.88% | 3.66% | 0.01% |
| Q4 2024 | $456.3M | $415.4M | $276.1M | $38.2M | $3.7M | 0.79% | 3.09% | 0.01% |
| Q3 2024 | $460.0M | $396.0M | $280.9M | $36.7M | $1.6M | 0.45% | 2.98% | 0.01% |
Loan mix (Q2 2026): real estate $226.0M · commercial $39.1M · consumer $4.7M · securities $134.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.9% | 62.9% | 14th |
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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