| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.8 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $190.5M | $167.1M | $107.9M | $16.1M | $909K | 0.94% | 3.11% | 1.51% |
| Q1 2026 | $192.0M | $169.4M | $110.3M | $16.2M | $634K | 1.31% | 3.29% | 2.04% |
| Q4 2025 | $195.2M | $173.1M | $108.2M | $15.8M | $2.0M | 1.06% | 2.95% | 0.66% |
| Q3 2025 | $190.8M | $169.3M | $103.7M | $15.2M | $1.5M | 1.03% | 2.91% | 0.68% |
| Q2 2025 | $188.4M | $168.5M | $98.8M | $13.1M | $942K | 0.99% | 2.86% | 1.11% |
| Q1 2025 | $192.6M | $172.3M | $98.7M | $13.0M | $407K | 0.85% | 2.77% | 0.68% |
| Q4 2024 | $191.4M | $173.0M | $105.4M | $11.7M | $1.6M | 0.80% | 2.62% | 0.69% |
| Q3 2024 | $195.1M | $173.7M | $104.8M | $13.8M | $1.3M | 0.84% | 2.63% | 0.84% |
Loan mix (Q2 2026): real estate $80.6M · commercial $15.7M · consumer $3.4M · securities $58.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.11% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.3% | 62.9% | 67th |
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% |
The full ratio pack is part of CharterBench Pro.