| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | -6.2% | +5.6% | -11.8 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.5M | $137.7M | $72.5M | $15.0M | $826K | 1.05% | 4.95% | 3.37% |
| Q1 2026 | $163.8M | $148.1M | $77.9M | $15.1M | $370K | 0.92% | 4.70% | 3.19% |
| Q4 2025 | $156.9M | $141.2M | $77.6M | $15.0M | $1.6M | 0.99% | 4.53% | 3.34% |
| Q3 2025 | $206.3M | $191.1M | $80.0M | $14.5M | $1.1M | 0.95% | 4.39% | 2.53% |
| Q2 2025 | $147.5M | $134.2M | $77.3M | $12.7M | $669K | 0.95% | 4.64% | 3.54% |
| Q1 2025 | $136.0M | $120.7M | $80.2M | $12.9M | $429K | 1.25% | 4.70% | 4.53% |
| Q4 2024 | $138.3M | $119.9M | $79.4M | $12.2M | $1.9M | 1.36% | 4.92% | 0.65% |
| Q3 2024 | $138.0M | $118.1M | $82.9M | $13.6M | $1.4M | 1.34% | 4.89% | 1.71% |
Loan mix (Q2 2026): real estate $52.5M · commercial $19.8M · consumer $1.4M · securities $63.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.7% | 62.9% | 82th |
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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