| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.7% | +4.4% | -0.6 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -4.5% | +5.6% | -10.1 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 13.7% | 11.9% | +1.9 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $147.5M | $123.8M | $73.1M | $21.1M | $1.4M | 1.91% | 4.90% | 0.08% |
| Q1 2026 | $143.8M | $120.6M | $75.6M | $20.4M | $710K | 1.95% | 5.54% | 0.05% |
| Q4 2025 | $147.4M | $124.5M | $81.6M | $19.6M | $2.6M | 1.83% | 5.37% | 0.05% |
| Q3 2025 | $143.2M | $120.7M | $79.7M | $18.8M | $1.8M | 1.70% | 5.36% | 0.09% |
| Q2 2025 | $142.2M | $120.5M | $76.6M | $18.1M | $1.1M | 1.53% | 5.29% | 0.10% |
| Q1 2025 | $137.4M | $116.2M | $75.0M | $17.5M | $528K | 1.51% | 5.08% | 0.10% |
| Q4 2024 | $141.8M | $120.9M | $68.6M | $17.0M | $2.1M | 1.51% | 4.69% | 0.18% |
| Q3 2024 | $137.0M | $116.0M | $65.6M | $16.6M | $1.5M | 1.47% | 4.63% | 0.10% |
Loan mix (Q2 2026): real estate $70.2M · commercial $4.2M · consumer $320K · securities $49.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 58th |
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% |
The full ratio pack is part of CharterBench Pro.