| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.9% | +4.4% | +6.5 pts |
| Deposit growth (YoY) | +11.8% | +4.0% | +7.9 pts |
| Loan growth (YoY) | +9.9% | +5.6% | +4.4 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $235.0M | $201.5M | $166.1M | $25.9M | $1.1M | 0.96% | 4.40% | 0.62% |
| Q1 2026 | $226.8M | $193.3M | $161.9M | $25.4M | $780K | 1.38% | 4.35% | 0.76% |
| Q4 2025 | $225.1M | $188.2M | $161.7M | $24.9M | $2.5M | 1.14% | 4.26% | 0.57% |
| Q3 2025 | $222.0M | $187.5M | $158.9M | $24.0M | $1.7M | 1.08% | 4.15% | 0.44% |
| Q2 2025 | $212.0M | $180.2M | $151.0M | $23.0M | $1.3M | 1.24% | 4.02% | 0.47% |
| Q1 2025 | $215.2M | $184.1M | $144.5M | $22.2M | $612K | 1.14% | 3.91% | 0.61% |
| Q4 2024 | $212.9M | $182.6M | $145.6M | $21.4M | $2.2M | 1.06% | 3.90% | 0.61% |
| Q3 2024 | $204.2M | $173.3M | $143.4M | $21.6M | $1.8M | 1.20% | 3.88% | 0.65% |
Loan mix (Q2 2026): real estate $135.5M · commercial $19.1M · consumer $11.9M · securities $38.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.7% | 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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