| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | -0.6% | +2.5% | -3.1 pts |
| Loan growth (YoY) | +4.7% | +2.6% | +2.1 pts |
| ROA | 0.74% | 0.99% | -0.3 pts |
| ROE | 12.0% | 8.1% | +3.9 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $61.6M | $55.4M | $30.7M | $3.8M | $227K | 0.74% | 3.52% | 0.26% |
| Q1 2026 | $61.7M | $57.6M | $30.0M | $3.7M | $122K | 0.79% | 3.56% | 0.29% |
| Q4 2025 | $61.6M | $57.3M | $31.1M | $3.9M | $373K | 0.62% | 3.30% | 0.39% |
| Q3 2025 | $60.7M | $56.1M | $32.0M | $3.5M | $275K | 0.61% | 3.22% | 0.34% |
| Q2 2025 | $59.1M | $55.8M | $29.3M | $2.9M | $177K | 0.60% | 3.14% | 0.38% |
| Q1 2025 | $59.5M | $56.2M | $28.2M | $3.0M | $86K | 0.58% | 3.19% | 0.43% |
| Q4 2024 | $59.5M | $56.6M | $28.4M | $2.5M | $283K | 0.49% | 2.85% | 0.43% |
| Q3 2024 | $57.5M | $52.8M | $27.5M | $3.3M | $207K | 0.48% | 2.81% | 0.47% |
Loan mix (Q2 2026): real estate $17.6M · commercial $2.0M · consumer $1.9M · securities $25.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.99% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 8.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.52% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 70.8% | 62th |
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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