| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +0.3% | +5.6% | -5.3 pts |
| ROA | 1.19% | 1.24% | -0.0 pts |
| ROE | 10.6% | 11.9% | -1.2 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $309.7M | $271.6M | $142.6M | $35.1M | $1.8M | 1.19% | 3.77% | 0.20% |
| Q1 2026 | $310.4M | $273.6M | $144.6M | $34.5M | $883K | 1.15% | 3.72% | 0.29% |
| Q4 2025 | $305.6M | $269.7M | $144.3M | $33.8M | $3.8M | 1.28% | 3.84% | 0.30% |
| Q3 2025 | $307.2M | $271.8M | $146.8M | $32.6M | $2.8M | 1.24% | 3.83% | 0.43% |
| Q2 2025 | $306.9M | $274.3M | $142.1M | $30.6M | $1.8M | 1.20% | 3.84% | 0.43% |
| Q1 2025 | $294.2M | $263.0M | $142.4M | $29.3M | $806K | 1.11% | 3.77% | 0.40% |
| Q4 2024 | $287.7M | $258.6M | $140.9M | $27.4M | $3.1M | 1.11% | 3.89% | 0.41% |
| Q3 2024 | $287.8M | $257.4M | $135.8M | $27.9M | $2.2M | 1.05% | 3.86% | 0.41% |
Loan mix (Q2 2026): real estate $134.4M · commercial $8.1M · consumer $1.4M · securities $91.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.2% | 62.9% | 48th |
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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