| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +4.0 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.3 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 1.94% | 1.24% | +0.7 pts |
| ROE | 17.6% | 11.9% | +5.8 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.9M | $92.5M | $85.8M | $12.0M | $1.0M | 1.94% | 4.63% | 0.66% |
| Q1 2026 | $105.2M | $92.2M | $83.7M | $11.7M | $489K | 1.82% | 4.55% | 1.43% |
| Q4 2025 | $109.3M | $96.3M | $80.0M | $11.6M | $1.7M | 1.66% | 4.27% | 0.75% |
| Q3 2025 | $100.2M | $87.7M | $78.8M | $11.2M | $1.2M | 1.63% | 4.26% | 0.37% |
| Q2 2025 | $97.8M | $85.5M | $78.3M | $10.9M | $764K | 1.56% | 4.21% | 0.70% |
| Q1 2025 | $96.7M | $84.7M | $77.6M | $10.6M | $344K | 1.40% | 4.19% | 0.66% |
| Q4 2024 | $99.5M | $84.4M | $77.3M | $10.5M | $1.3M | 1.33% | 3.98% | 0.45% |
| Q3 2024 | $97.0M | $84.0M | $76.8M | $10.4M | $917K | 1.31% | 3.98% | 1.67% |
Loan mix (Q2 2026): real estate $48.2M · commercial $7.1M · consumer $1.6M · securities $7.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.94% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.63% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.5% | 62.9% | 19th |
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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