| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -0.5% | +4.0% | -4.5 pts |
| Loan growth (YoY) | +17.2% | +5.6% | +11.7 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 16.2% | 11.9% | +4.3 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $368.3M | $321.3M | $181.9M | $34.2M | $2.7M | 1.45% | 4.69% | 0.02% |
| Q1 2026 | $377.5M | $328.1M | $181.9M | $32.8M | $1.3M | 1.39% | 4.60% | 0.06% |
| Q4 2025 | $365.9M | $317.4M | $177.8M | $32.8M | $6.0M | 1.64% | 4.64% | 0.06% |
| Q3 2025 | $368.1M | $322.3M | $168.7M | $31.6M | $4.6M | 1.68% | 4.59% | 0.06% |
| Q2 2025 | $367.9M | $323.1M | $155.2M | $29.0M | $3.2M | 1.74% | 4.49% | 0.06% |
| Q1 2025 | $370.9M | $326.2M | $143.3M | $27.9M | $1.6M | 1.74% | 4.35% | 0.06% |
| Q4 2024 | $360.6M | $317.3M | $144.0M | $25.4M | $5.0M | 1.37% | 4.53% | 0.07% |
| Q3 2024 | $357.8M | $312.9M | $133.7M | $25.9M | $3.8M | 1.37% | 4.51% | 0.09% |
Loan mix (Q2 2026): real estate $154.6M · commercial $25.6M · consumer $4.3M · securities $111.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 16.2% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 62.9% | 45th |
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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