| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.9 pts |
| Loan growth (YoY) | +15.1% | +5.6% | +9.5 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 6.8% | 11.9% | -5.1 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $246.0M | $205.9M | $115.0M | $39.2M | $1.3M | 1.07% | 3.75% | 0.00% |
| Q1 2026 | $247.3M | $207.9M | $111.6M | $38.4M | $663K | 1.08% | 3.69% | 0.00% |
| Q4 2025 | $242.2M | $203.1M | $107.4M | $38.1M | $2.3M | 0.96% | 3.65% | 0.00% |
| Q3 2025 | $238.3M | $199.8M | $102.8M | $37.0M | $1.6M | 0.94% | 3.61% | 0.02% |
| Q2 2025 | $238.4M | $201.7M | $99.9M | $35.9M | $1.1M | 0.93% | 3.54% | 0.06% |
| Q1 2025 | $232.3M | $196.5M | $98.6M | $35.0M | $469K | 0.81% | 3.52% | 0.07% |
| Q4 2024 | $231.1M | $196.5M | $98.9M | $33.9M | $2.1M | 0.91% | 3.65% | 0.07% |
| Q3 2024 | $226.4M | $191.1M | $97.2M | $34.5M | $1.6M | 0.92% | 3.68% | 0.07% |
Loan mix (Q2 2026): real estate $110.2M · commercial $3.7M · consumer $1.7M · securities $97.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 60th |
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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