| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 1.92% | 1.24% | +0.7 pts |
| ROE | 14.6% | 11.9% | +2.8 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.5M | $163.6M | $116.0M | $26.5M | $1.9M | 1.92% | 5.57% | 0.06% |
| Q1 2026 | $202.0M | $174.1M | $111.2M | $25.6M | $997K | 1.99% | 5.49% | 0.05% |
| Q4 2025 | $198.3M | $170.8M | $110.0M | $25.6M | $3.5M | 1.79% | 5.73% | 0.07% |
| Q3 2025 | $186.5M | $159.1M | $110.9M | $24.2M | $2.6M | 1.83% | 5.78% | 0.06% |
| Q2 2025 | $189.9M | $162.2M | $109.3M | $24.4M | $1.9M | 1.92% | 5.74% | 0.07% |
| Q1 2025 | $199.4M | $172.5M | $108.9M | $23.5M | $944K | 1.94% | 5.69% | 0.07% |
| Q4 2024 | $190.8M | $165.4M | $107.0M | $22.6M | $3.8M | 1.96% | 5.71% | 0.07% |
| Q3 2024 | $188.3M | $162.4M | $105.9M | $22.7M | $2.9M | 2.02% | 5.68% | 0.07% |
Loan mix (Q2 2026): real estate $112.4M · commercial $2.9M · consumer $1.9M · securities $45.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.92% | 1.24% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.9% | 62.9% | 50th |
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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