| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.0% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -2.9 pts |
| Loan growth (YoY) | -2.6% | +5.6% | -8.2 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $181.9M | $160.6M | $93.8M | $19.1M | $1.2M | 1.33% | 4.19% | 0.50% |
| Q1 2026 | $182.7M | $162.2M | $92.5M | $18.3M | $527K | 1.17% | 4.07% | 0.62% |
| Q4 2025 | $177.5M | $156.7M | $98.3M | $18.6M | $1.8M | 1.00% | 4.01% | 0.69% |
| Q3 2025 | $175.3M | $154.3M | $96.5M | $18.6M | $1.4M | 1.07% | 3.98% | 0.27% |
| Q2 2025 | $178.2M | $159.0M | $96.3M | $17.4M | $1.1M | 1.25% | 3.90% | 0.25% |
| Q1 2025 | $183.2M | $165.0M | $93.3M | $16.4M | $539K | 1.19% | 3.81% | 0.14% |
| Q4 2024 | $177.9M | $161.0M | $95.3M | $15.2M | $1.8M | 1.01% | 3.69% | 0.10% |
| Q3 2024 | $181.6M | $162.3M | $99.9M | $17.4M | $1.3M | 0.99% | 3.64% | 0.07% |
Loan mix (Q2 2026): real estate $69.6M · commercial $9.9M · consumer $3.6M · securities $60.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.5% | 62.9% | 65th |
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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