| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +9.0% | +5.6% | +3.4 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 10.0% | 11.9% | -1.9 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $322.2M | $259.5M | $221.9M | $44.9M | $2.2M | 1.37% | 4.88% | 1.31% |
| Q1 2026 | $319.3M | $266.7M | $217.3M | $44.0M | $1.4M | 1.77% | 4.83% | 2.48% |
| Q4 2025 | $323.8M | $272.0M | $216.4M | $43.3M | $4.5M | 1.47% | 4.62% | 1.77% |
| Q3 2025 | $305.3M | $252.2M | $204.8M | $42.1M | $3.5M | 1.54% | 4.58% | 1.66% |
| Q2 2025 | $301.7M | $250.6M | $203.5M | $40.0M | $2.6M | 1.74% | 4.51% | 1.50% |
| Q1 2025 | $300.4M | $252.9M | $198.3M | $39.0M | $1.4M | 1.92% | 4.53% | 1.73% |
| Q4 2024 | $300.3M | $238.6M | $200.5M | $37.1M | $3.8M | 1.29% | 3.97% | 1.28% |
| Q3 2024 | $304.7M | $226.9M | $200.5M | $38.1M | $2.7M | 1.22% | 3.87% | 0.89% |
Loan mix (Q2 2026): real estate $88.1M · commercial $24.1M · consumer $12.1M · securities $83.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th |
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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