| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.6 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.5 pts |
| ROA | 1.44% | 1.24% | +0.2 pts |
| ROE | 27.6% | 11.9% | +15.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.1M | $172.9M | $72.5M | $9.2M | $1.3M | 1.44% | 3.49% | 0.01% |
| Q1 2026 | $179.9M | $169.5M | $71.1M | $9.6M | $638K | 1.40% | 3.43% | 0.01% |
| Q4 2025 | $183.9M | $168.4M | $73.2M | $9.8M | $1.9M | 1.08% | 3.25% | 0.18% |
| Q3 2025 | $188.6M | $167.3M | $71.3M | $9.4M | $1.4M | 1.01% | 3.19% | 0.04% |
| Q2 2025 | $186.0M | $162.2M | $69.7M | $7.1M | $831K | 0.94% | 3.20% | 0.00% |
| Q1 2025 | $171.7M | $164.1M | $70.9M | $7.0M | $424K | 0.99% | 3.28% | 0.04% |
| Q4 2024 | $170.7M | $162.1M | $73.5M | $5.0M | $1.8M | 1.05% | 3.15% | 0.00% |
| Q3 2024 | $168.5M | $154.2M | $73.5M | $7.4M | $1.3M | 1.02% | 3.11% | 0.00% |
Loan mix (Q2 2026): real estate $61.9M · commercial $2.8M · consumer $2.8M · securities $87.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.44% | 1.24% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 27.6% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.7% | 62.9% | 55th |
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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