| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +8.0% | +5.6% | +2.4 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.6M | $213.5M | $183.0M | $26.4M | $1.6M | 1.26% | 4.05% | 0.65% |
| Q1 2026 | $249.0M | $221.4M | $182.6M | $24.5M | $700K | 1.13% | 3.95% | 0.24% |
| Q4 2025 | $244.7M | $215.1M | $178.2M | $25.8M | $3.0M | 1.29% | 3.96% | 0.25% |
| Q3 2025 | $240.8M | $212.0M | $165.5M | $23.7M | $1.8M | 1.06% | 3.91% | 0.00% |
| Q2 2025 | $225.5M | $197.3M | $169.5M | $23.1M | $1.1M | 0.94% | 3.78% | 0.00% |
| Q1 2025 | $230.6M | $197.7M | $169.9M | $22.2M | $511K | 0.89% | 3.68% | 0.17% |
| Q4 2024 | $227.3M | $199.5M | $167.3M | $22.8M | $2.6M | 1.12% | 3.54% | 0.17% |
| Q3 2024 | $237.2M | $194.5M | $162.1M | $22.3M | $1.4M | 0.81% | 3.49% | 0.16% |
Loan mix (Q2 2026): real estate $95.0M · commercial $25.2M · consumer $1.9M · securities $44.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 23th |
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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