| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.9% | +2.9 pts |
| Deposit growth (YoY) | +9.3% | +4.3% | +5.0 pts |
| Loan growth (YoY) | +21.1% | +5.3% | +15.8 pts |
| ROA | 0.08% | 1.28% | -1.2 pts |
| ROE | 0.8% | 12.4% | -11.6 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $573.8M | $499.8M | $469.1M | $53.3M | $218K | 0.08% | 2.27% | 0.33% |
| Q1 2026 | $567.3M | $500.2M | $455.2M | $53.1M | $120K | 0.08% | 2.25% | 0.35% |
| Q4 2025 | $573.1M | $506.2M | $447.0M | $53.0M | $-361K | -0.07% | 1.98% | 0.33% |
| Q3 2025 | $562.9M | $486.6M | $431.9M | $52.3M | $-454K | -0.12% | 1.91% | 0.33% |
| Q2 2025 | $532.2M | $457.1M | $387.3M | $51.3M | $-480K | -0.19% | 1.85% | 0.42% |
| Q1 2025 | $507.7M | $419.2M | $359.1M | $51.0M | $-385K | -0.31% | 1.73% | 0.43% |
| Q4 2024 | $501.6M | $414.0M | $345.2M | $50.2M | $-3.2M | -0.62% | 1.25% | 0.54% |
| Q3 2024 | $512.0M | $407.2M | $344.9M | $52.4M | $-2.6M | -0.67% | 1.16% | 0.63% |
Loan mix (Q2 2026): real estate $470.5M · commercial $67K · consumer $446K · securities $62.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.08% | 1.28% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | 0.8% | 12.4% | 4th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 96.0% | 61.2% | 98th |
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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