| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +7.5% | +4.0% | +3.6 pts |
| Loan growth (YoY) | +5.2% | +5.6% | -0.4 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 14.2% | 11.9% | +2.4 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $171.9M | $146.1M | $97.8M | $22.2M | $1.6M | 1.83% | 5.03% | 1.34% |
| Q1 2026 | $174.7M | $149.0M | $91.4M | $21.9M | $751K | 1.77% | 4.92% | 1.32% |
| Q4 2025 | $164.8M | $138.8M | $94.2M | $21.7M | $3.0M | 1.88% | 5.45% | 1.40% |
| Q3 2025 | $160.6M | $134.8M | $96.1M | $21.4M | $2.0M | 1.72% | 5.50% | 0.00% |
| Q2 2025 | $161.3M | $135.9M | $93.0M | $21.0M | $1.3M | 1.67% | 5.46% | 0.00% |
| Q1 2025 | $158.6M | $133.6M | $86.8M | $20.7M | $631K | 1.62% | 5.33% | 0.00% |
| Q4 2024 | $152.7M | $127.8M | $85.5M | $20.5M | $2.5M | 1.63% | 5.43% | 0.00% |
| Q3 2024 | $157.0M | $131.7M | $83.6M | $20.2M | $1.8M | 1.57% | 5.39% | 0.00% |
Loan mix (Q2 2026): real estate $94.4M · commercial $3.7M · consumer $1.9M · securities $36.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.03% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.0% | 62.9% | 35th |
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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