| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +4.4% | -0.1 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.4 pts |
| Loan growth (YoY) | +19.9% | +5.6% | +14.3 pts |
| ROA | 1.29% | 1.24% | +0.0 pts |
| ROE | 11.1% | 11.9% | -0.8 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 | $200.1M | $173.9M | $89.9M | $23.6M | $1.3M | 1.29% | 2.94% | 0.00% |
| Q1 2026 | $201.0M | $175.3M | $80.1M | $23.5M | $689K | 1.38% | 2.87% | 0.00% |
| Q4 2025 | $198.0M | $172.6M | $81.1M | $22.7M | $2.2M | 1.14% | 2.71% | 0.05% |
| Q3 2025 | $195.0M | $169.7M | $77.1M | $22.5M | $1.7M | 1.16% | 2.68% | 0.02% |
| Q2 2025 | $191.9M | $169.6M | $75.0M | $19.6M | $1.1M | 1.12% | 2.61% | 0.04% |
| Q1 2025 | $197.3M | $171.6M | $64.6M | $19.1M | $713K | 1.46% | 2.60% | 0.04% |
| Q4 2024 | $193.0M | $168.8M | $65.1M | $17.5M | $1.7M | 0.88% | 2.41% | 0.07% |
| Q3 2024 | $199.5M | $167.0M | $64.0M | $19.9M | $1.3M | 0.91% | 2.40% | 0.08% |
Loan mix (Q2 2026): real estate $66.7M · commercial $11.1M · consumer $4.6M · securities $93.5M
| 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 | 11.1% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.94% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 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% |
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