| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.5 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 1.51% | 1.24% | +0.3 pts |
| ROE | 9.9% | 11.9% | -2.0 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.1M | $156.1M | $66.0M | $28.8M | $1.4M | 1.51% | 3.28% | 0.03% |
| Q1 2026 | $187.1M | $158.6M | $66.6M | $28.4M | $743K | 1.60% | 3.22% | 0.02% |
| Q4 2025 | $184.3M | $156.4M | $68.2M | $27.7M | $2.0M | 1.10% | 3.08% | 0.00% |
| Q3 2025 | $181.5M | $153.2M | $67.9M | $28.1M | $1.6M | 1.19% | 3.05% | 0.00% |
| Q2 2025 | $181.7M | $153.9M | $67.7M | $27.7M | $1.1M | 1.14% | 3.02% | 0.00% |
| Q1 2025 | $185.8M | $158.4M | $68.5M | $27.3M | $600K | 1.29% | 2.96% | 0.00% |
| Q4 2024 | $186.0M | $159.1M | $68.3M | $26.8M | $1.9M | 1.01% | 2.73% | 0.00% |
| Q3 2024 | $185.8M | $158.5M | $69.0M | $27.1M | $1.5M | 1.04% | 2.68% | 0.00% |
Loan mix (Q2 2026): real estate $49.5M · commercial $9.2M · consumer $4.6M · securities $103.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.51% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.8% | 62.9% | 38th |
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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