| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -2.9 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 17.1% | 11.9% | +5.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $182.3M | $158.3M | $135.0M | $23.5M | $2.0M | 2.12% | 4.58% | 0.54% |
| Q1 2026 | $186.2M | $162.7M | $130.9M | $23.1M | $952K | 2.03% | 4.37% | 0.36% |
| Q4 2025 | $188.6M | $166.0M | $135.6M | $22.3M | $3.9M | 2.14% | 4.62% | 0.67% |
| Q3 2025 | $188.3M | $165.9M | $133.4M | $21.8M | $2.9M | 2.16% | 4.62% | 0.80% |
| Q2 2025 | $173.8M | $152.3M | $131.5M | $21.0M | $1.9M | 2.19% | 4.66% | 0.75% |
| Q1 2025 | $179.5M | $158.8M | $128.9M | $20.4M | $965K | 2.22% | 4.54% | 1.11% |
| Q4 2024 | $168.8M | $148.9M | $126.4M | $19.5M | $3.6M | 2.07% | 4.46% | 0.72% |
| Q3 2024 | $172.5M | $152.0M | $123.9M | $19.6M | $2.7M | 2.05% | 4.40% | 0.51% |
Loan mix (Q2 2026): real estate $97.6M · commercial $26.8M · consumer $6.5M · securities $21.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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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