| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +1.2% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 2.72% | 1.24% | +1.5 pts |
| ROE | 17.5% | 11.9% | +5.7 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $112.2M | $93.7M | $82.4M | $17.9M | $1.5M | 2.72% | 4.64% | 0.61% |
| Q1 2026 | $113.5M | $95.7M | $80.5M | $17.3M | $719K | 2.55% | 4.57% | 0.63% |
| Q4 2025 | $112.1M | $94.3M | $82.2M | $17.3M | $2.5M | 2.30% | 4.68% | 0.80% |
| Q3 2025 | $107.5M | $90.3M | $80.8M | $16.8M | $2.0M | 2.47% | 4.66% | 0.58% |
| Q2 2025 | $109.2M | $92.6M | $79.3M | $16.2M | $1.3M | 2.36% | 4.53% | 0.53% |
| Q1 2025 | $110.0M | $93.7M | $77.8M | $15.7M | $645K | 2.39% | 4.47% | 0.26% |
| Q4 2024 | $105.9M | $88.7M | $77.9M | $16.7M | $3.1M | 3.08% | 4.90% | 0.42% |
| Q3 2024 | $101.6M | $85.0M | $77.0M | $16.2M | $2.6M | 3.44% | 4.89% | 0.62% |
Loan mix (Q2 2026): real estate $56.7M · commercial $12.4M · consumer $11.1M · securities $19.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.72% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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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