| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.0% | +4.4% | -10.3 pts |
| Deposit growth (YoY) | -6.6% | +4.0% | -10.5 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 2.44% | 1.24% | +1.2 pts |
| ROE | 20.2% | 11.9% | +8.3 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.8M | $218.6M | $102.6M | $31.5M | $3.1M | 2.44% | 4.12% | 0.00% |
| Q1 2026 | $248.8M | $216.6M | $102.6M | $31.5M | $1.6M | 2.43% | 4.10% | 0.00% |
| Q4 2025 | $269.1M | $238.2M | $100.9M | $30.0M | $7.6M | 2.85% | 4.51% | 0.00% |
| Q3 2025 | $267.0M | $234.2M | $97.0M | $31.8M | $5.8M | 2.90% | 4.55% | 0.00% |
| Q2 2025 | $266.7M | $233.9M | $98.0M | $31.9M | $4.0M | 2.99% | 4.64% | 0.00% |
| Q1 2025 | $267.6M | $234.8M | $102.6M | $31.9M | $2.0M | 3.00% | 4.72% | 0.00% |
| Q4 2024 | $261.7M | $230.7M | $107.1M | $29.9M | $8.6M | 3.27% | 5.12% | 0.00% |
| Q3 2024 | $258.6M | $230.4M | $108.7M | $27.1M | $6.7M | 3.39% | 5.24% | 0.03% |
Loan mix (Q2 2026): real estate $94.9M · commercial $5.8M · consumer $3.3M · securities $61.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.44% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 20.2% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.3% | 62.9% | 5th |
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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