| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +4.4% | -1.2 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 2.17% | 1.24% | +0.9 pts |
| ROE | 7.7% | 11.9% | -4.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $297.7M | $211.3M | $187.2M | $84.3M | $3.2M | 2.17% | 4.66% | 0.45% |
| Q1 2026 | $305.8M | $220.8M | $184.3M | $83.0M | $1.8M | 2.48% | 5.01% | 0.44% |
| Q4 2025 | $285.0M | $202.0M | $182.4M | $81.2M | $5.5M | 1.94% | 4.45% | 1.51% |
| Q3 2025 | $293.8M | $212.4M | $197.5M | $79.5M | $3.9M | 1.83% | 4.35% | 5.38% |
| Q2 2025 | $288.5M | $208.6M | $192.1M | $78.0M | $2.6M | 1.82% | 4.43% | 1.03% |
| Q1 2025 | $281.3M | $202.5M | $204.8M | $76.4M | $1.1M | 1.51% | 4.33% | 2.44% |
| Q4 2024 | $281.3M | $204.1M | $191.5M | $75.1M | $5.3M | 1.93% | 4.37% | 2.70% |
| Q3 2024 | $291.2M | $215.1M | $191.0M | $74.0M | $3.9M | 1.92% | 4.40% | 2.62% |
Loan mix (Q2 2026): real estate $189.8M · commercial $881K · consumer $0 · securities $15.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 7.7% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.7% | 62.9% | 3th |
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.