| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +7.8% | +4.0% | +3.8 pts |
| Loan growth (YoY) | +10.3% | +5.6% | +4.7 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 6.9% | 11.9% | -4.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $278.5M | $208.5M | $243.3M | $33.9M | $1.2M | 0.83% | 4.17% | 1.57% |
| Q1 2026 | $277.6M | $207.3M | $240.0M | $33.3M | $580K | 0.84% | 4.14% | 1.17% |
| Q4 2025 | $271.9M | $195.5M | $237.5M | $32.7M | $1.2M | 0.46% | 4.22% | 1.44% |
| Q3 2025 | $259.8M | $189.7M | $229.7M | $33.0M | $1.5M | 0.80% | 4.27% | 1.13% |
| Q2 2025 | $252.0M | $193.5M | $220.5M | $32.5M | $1.0M | 0.82% | 4.32% | 0.64% |
| Q1 2025 | $256.5M | $198.6M | $215.1M | $32.0M | $520K | 0.82% | 4.34% | 0.35% |
| Q4 2024 | $249.1M | $189.2M | $209.4M | $31.5M | $940K | 0.40% | 4.35% | 1.23% |
| Q3 2024 | $237.9M | $178.4M | $207.0M | $31.8M | $1.2M | 0.71% | 4.39% | 1.11% |
Loan mix (Q2 2026): real estate $236.9M · commercial $0 · consumer $7.4M · securities $1.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 62.9% | 75th |
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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