| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | -2.8% | +5.6% | -8.3 pts |
| ROA | 1.29% | 1.24% | +0.0 pts |
| ROE | 9.7% | 11.9% | -2.2 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.9M | $151.0M | $82.9M | $23.3M | $1.1M | 1.29% | 3.84% | 0.36% |
| Q1 2026 | $179.8M | $155.5M | $77.9M | $22.9M | $578K | 1.35% | 3.75% | 0.23% |
| Q4 2025 | $163.6M | $139.8M | $88.9M | $22.6M | $1.7M | 1.00% | 3.79% | 0.44% |
| Q3 2025 | $164.8M | $135.1M | $88.0M | $24.2M | $1.4M | 1.08% | 3.74% | 0.16% |
| Q2 2025 | $170.4M | $145.2M | $85.2M | $23.7M | $1.1M | 1.29% | 3.68% | 0.17% |
| Q1 2025 | $180.2M | $156.2M | $77.3M | $22.8M | $513K | 1.20% | 3.50% | 0.21% |
| Q4 2024 | $161.1M | $138.3M | $85.2M | $21.8M | $1.7M | 1.04% | 3.72% | 0.23% |
| Q3 2024 | $158.4M | $131.7M | $84.6M | $22.5M | $1.4M | 1.18% | 3.74% | 0.24% |
Loan mix (Q2 2026): real estate $40.6M · commercial $5.5M · consumer $4.0M · securities $66.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.4% | 62.9% | 24th |
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% |
The full ratio pack is part of CharterBench Pro.