| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +14.1% | +5.6% | +8.5 pts |
| ROA | 0.59% | 1.24% | -0.6 pts |
| ROE | 4.7% | 11.9% | -7.2 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $197.4M | $169.6M | $139.8M | $24.9M | $573K | 0.59% | 3.17% | 0.94% |
| Q1 2026 | $194.7M | $167.3M | $134.5M | $24.6M | $371K | 0.77% | 3.11% | 1.03% |
| Q4 2025 | $191.3M | $164.1M | $128.2M | $24.5M | $-531K | -0.29% | 2.69% | 0.96% |
| Q3 2025 | $190.8M | $163.6M | $126.9M | $24.4M | $-567K | -0.41% | 2.64% | 0.82% |
| Q2 2025 | $184.1M | $157.9M | $122.6M | $23.8M | $-629K | -0.69% | 2.55% | 0.39% |
| Q1 2025 | $180.4M | $153.9M | $117.6M | $24.1M | $-56K | -0.12% | 2.44% | 0.12% |
| Q4 2024 | $183.1M | $151.9M | $116.6M | $23.9M | $369K | 0.22% | 2.57% | 0.26% |
| Q3 2024 | $177.3M | $145.0M | $118.2M | $24.8M | $404K | 0.33% | 2.62% | 0.04% |
Loan mix (Q2 2026): real estate $130.1M · commercial $8.6M · consumer $1.4M · securities $34.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.59% | 1.24% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 4.7% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.3% | 62.9% | 87th |
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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