| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 2.26% | 1.24% | +1.0 pts |
| ROE | 17.1% | 11.9% | +5.2 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $353.8M | $299.0M | $205.3M | $48.8M | $4.0M | 2.26% | 5.44% | 0.55% |
| Q1 2026 | $352.9M | $299.3M | $195.1M | $47.0M | $2.0M | 2.27% | 5.49% | 0.55% |
| Q4 2025 | $355.8M | $304.4M | $190.7M | $45.2M | $7.8M | 2.26% | 5.53% | 0.84% |
| Q3 2025 | $339.7M | $286.1M | $194.6M | $44.2M | $6.0M | 2.35% | 5.62% | 0.85% |
| Q2 2025 | $340.3M | $289.4M | $188.1M | $41.5M | $4.0M | 2.35% | 5.56% | 0.77% |
| Q1 2025 | $343.8M | $294.8M | $181.8M | $39.4M | $2.0M | 2.29% | 5.63% | 1.16% |
| Q4 2024 | $344.4M | $298.3M | $176.6M | $36.9M | $7.0M | 2.13% | 5.55% | 1.38% |
| Q3 2024 | $324.2M | $277.4M | $166.5M | $37.7M | $5.8M | 2.37% | 5.58% | 1.75% |
Loan mix (Q2 2026): real estate $164.5M · commercial $19.3M · consumer $16.9M · securities $75.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.26% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.1% | 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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