| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.2% | +4.4% | -0.2 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.2 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 4.4% | 11.9% | -7.4 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $285.9M | $205.9M | $222.9M | $63.1M | $1.4M | 0.98% | 4.82% | 0.01% |
| Q1 2026 | $278.7M | $211.7M | $212.1M | $62.3M | $649K | 0.94% | 4.73% | 0.01% |
| Q4 2025 | $275.7M | $209.4M | $216.2M | $61.8M | $2.7M | 0.98% | 4.46% | 0.01% |
| Q3 2025 | $275.6M | $209.6M | $214.8M | $60.7M | $1.8M | 0.86% | 4.36% | 0.01% |
| Q2 2025 | $274.4M | $204.3M | $212.5M | $64.7M | $1.2M | 0.83% | 4.32% | 0.00% |
| Q1 2025 | $294.4M | $220.8M | $225.9M | $68.9M | $566K | 0.78% | 4.19% | 0.06% |
| Q4 2024 | $287.5M | $214.1M | $224.5M | $68.0M | $2.7M | 0.86% | 3.86% | 0.06% |
| Q3 2024 | $299.7M | $223.8M | $225.3M | $67.9M | $2.0M | 0.86% | 3.76% | 0.03% |
Loan mix (Q2 2026): real estate $188.4M · commercial $37.8M · consumer $16K · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.9% | 62.9% | 78th |
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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