| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 14.1% | 11.9% | +2.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $356.2M | $315.1M | $251.6M | $34.6M | $2.3M | 1.32% | 3.50% | 1.49% |
| Q1 2026 | $356.7M | $317.4M | $252.9M | $32.7M | $1.2M | 1.36% | 3.46% | 1.49% |
| Q4 2025 | $357.5M | $313.6M | $252.3M | $32.6M | $3.9M | 1.12% | 3.39% | 1.58% |
| Q3 2025 | $357.0M | $306.8M | $248.1M | $31.5M | $3.2M | 1.22% | 3.34% | 1.34% |
| Q2 2025 | $346.3M | $301.5M | $247.0M | $28.3M | $1.9M | 1.14% | 3.25% | 1.41% |
| Q1 2025 | $336.9M | $304.8M | $237.9M | $27.5M | $947K | 1.13% | 3.27% | 0.50% |
| Q4 2024 | $332.2M | $292.0M | $234.6M | $26.1M | $3.1M | 0.97% | 2.96% | 0.49% |
| Q3 2024 | $325.5M | $286.2M | $217.5M | $27.8M | $2.1M | 0.89% | 2.87% | 0.50% |
Loan mix (Q2 2026): real estate $217.8M · commercial $19.6M · consumer $6.7M · securities $75.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.1% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.9% | 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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