| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | -1.1% | +4.0% | -5.0 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $110.4M | $92.3M | $76.9M | $12.1M | $1.0M | 1.86% | 4.69% | 0.57% |
| Q1 2026 | $110.9M | $92.9M | $75.2M | $11.6M | $509K | 1.81% | 4.59% | 0.61% |
| Q4 2025 | $113.8M | $95.9M | $74.6M | $11.9M | $1.4M | 1.25% | 4.44% | 0.60% |
| Q3 2025 | $111.2M | $93.4M | $72.9M | $11.7M | $1.1M | 1.35% | 4.41% | 0.78% |
| Q2 2025 | $110.4M | $93.3M | $70.2M | $11.2M | $593K | 1.10% | 4.30% | 0.06% |
| Q1 2025 | $109.0M | $92.2M | $67.7M | $10.8M | $378K | 1.41% | 4.24% | 0.57% |
| Q4 2024 | $105.2M | $88.9M | $67.1M | $11.1M | $1.4M | 1.35% | 4.17% | 0.32% |
| Q3 2024 | $103.2M | $86.8M | $66.4M | $11.1M | $1.2M | 1.49% | 4.17% | 0.04% |
Loan mix (Q2 2026): real estate $41.4M · commercial $10.4M · consumer $6.3M · securities $21.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.0% | 62.9% | 29th |
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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