| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +6.8% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $419.0M | $379.2M | $248.0M | $37.5M | $3.0M | 1.44% | 4.28% | 0.64% |
| Q1 2026 | $425.1M | $385.8M | $241.8M | $36.4M | $1.4M | 1.35% | 4.10% | 0.75% |
| Q4 2025 | $416.3M | $377.8M | $237.1M | $35.9M | $5.1M | 1.28% | 4.11% | 0.63% |
| Q3 2025 | $384.1M | $347.0M | $239.1M | $34.6M | $3.9M | 1.32% | 4.14% | 0.87% |
| Q2 2025 | $389.8M | $354.9M | $237.6M | $32.8M | $2.5M | 1.29% | 4.07% | 0.80% |
| Q1 2025 | $392.3M | $358.5M | $234.0M | $31.2M | $1.3M | 1.28% | 3.98% | 0.79% |
| Q4 2024 | $401.3M | $369.8M | $229.8M | $29.0M | $2.9M | 0.76% | 3.72% | 0.70% |
| Q3 2024 | $372.6M | $339.4M | $229.9M | $30.4M | $2.1M | 0.75% | 3.73% | 0.89% |
Loan mix (Q2 2026): real estate $212.2M · commercial $24.0M · consumer $12.4M · securities $95.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 37th |
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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