| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +4.4% | +6.7 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 0.99% | 1.24% | -0.2 pts |
| ROE | 12.9% | 11.9% | +1.0 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 | $373.8M | $290.4M | $313.8M | $28.3M | $1.8M | 0.99% | 4.08% | 0.30% |
| Q1 2026 | $356.2M | $286.6M | $297.4M | $27.5M | $706K | 0.80% | 3.85% | 0.25% |
| Q4 2025 | $350.9M | $278.7M | $290.1M | $27.1M | $3.3M | 0.99% | 3.94% | 0.25% |
| Q3 2025 | $342.2M | $276.4M | $284.8M | $26.0M | $2.1M | 0.86% | 3.86% | 0.28% |
| Q2 2025 | $336.5M | $269.6M | $278.4M | $25.2M | $1.3M | 0.79% | 3.76% | 0.38% |
| Q1 2025 | $321.5M | $255.6M | $265.3M | $24.5M | $457K | 0.57% | 3.60% | 0.55% |
| Q4 2024 | $317.8M | $241.7M | $260.3M | $24.4M | $1.7M | 0.54% | 3.41% | 0.58% |
| Q3 2024 | $320.7M | $250.3M | $261.9M | $24.0M | $1.1M | 0.49% | 3.33% | 0.48% |
Loan mix (Q2 2026): real estate $250.8M · commercial $44.7M · consumer $9.1M · securities $20.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 1.24% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.8% | 62.9% | 68th |
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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