| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.4M | $115.4M | $115.1M | $13.9M | $726K | 1.02% | 4.17% | 0.05% |
| Q1 2026 | $141.2M | $119.5M | $117.0M | $13.4M | $340K | 0.95% | 4.03% | 0.28% |
| Q4 2025 | $144.0M | $122.0M | $109.9M | $13.8M | $1.1M | 0.82% | 3.90% | 0.13% |
| Q3 2025 | $135.4M | $114.1M | $109.4M | $13.1M | $710K | 0.71% | 3.88% | 0.16% |
| Q2 2025 | $131.0M | $110.9M | $107.2M | $13.0M | $475K | 0.72% | 3.84% | 0.20% |
| Q1 2025 | $130.3M | $110.8M | $106.6M | $12.6M | $218K | 0.65% | 3.79% | 0.17% |
| Q4 2024 | $136.7M | $111.5M | $104.8M | $12.9M | $978K | 0.72% | 3.68% | 0.16% |
| Q3 2024 | $139.2M | $108.8M | $110.2M | $12.9M | $634K | 0.62% | 3.66% | 0.16% |
Loan mix (Q2 2026): real estate $74.7M · commercial $17.3M · consumer $3.9M · securities $16.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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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