| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.5 pts |
| ROA | 2.21% | 1.24% | +1.0 pts |
| ROE | 17.8% | 11.9% | +6.0 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.2M | $116.9M | $94.7M | $16.9M | $1.5M | 2.21% | 5.97% | 0.07% |
| Q1 2026 | $133.5M | $116.5M | $94.0M | $16.6M | $794K | 2.38% | 5.92% | 0.09% |
| Q4 2025 | $133.3M | $116.8M | $92.6M | $16.3M | $2.9M | 2.18% | 6.10% | 0.11% |
| Q3 2025 | $137.2M | $120.7M | $90.2M | $16.1M | $2.3M | 2.29% | 6.15% | 0.11% |
| Q2 2025 | $132.5M | $116.4M | $88.5M | $15.8M | $1.5M | 2.28% | 6.15% | 0.12% |
| Q1 2025 | $136.0M | $120.2M | $86.5M | $15.5M | $817K | 2.44% | 5.99% | 0.12% |
| Q4 2024 | $132.2M | $116.9M | $87.8M | $15.1M | $3.7M | 2.87% | 6.38% | 0.11% |
| Q3 2024 | $128.3M | $112.9M | $86.4M | $14.8M | $2.9M | 2.94% | 6.40% | 0.07% |
Loan mix (Q2 2026): real estate $42.2M · commercial $14.4M · consumer $10.7M · securities $5.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.21% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52th |
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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