| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.1 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 17.4% | 11.9% | +5.5 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $409.9M | $350.8M | $220.9M | $27.3M | $2.3M | 1.16% | 3.25% | 0.40% |
| Q1 2026 | $395.4M | $335.7M | $215.0M | $25.3M | $914K | 0.92% | 3.19% | 0.44% |
| Q4 2025 | $396.8M | $336.8M | $220.0M | $27.7M | $3.8M | 0.95% | 3.01% | 0.28% |
| Q3 2025 | $387.4M | $328.0M | $210.5M | $25.8M | $2.4M | 0.81% | 2.96% | 0.29% |
| Q2 2025 | $391.2M | $334.0M | $215.2M | $22.2M | $1.6M | 0.79% | 2.91% | 0.28% |
| Q1 2025 | $393.5M | $340.6M | $215.1M | $19.8M | $677K | 0.68% | 2.87% | 0.43% |
| Q4 2024 | $401.1M | $356.4M | $212.3M | $17.9M | $2.6M | 0.65% | 2.52% | 0.27% |
| Q3 2024 | $393.6M | $340.9M | $204.5M | $22.4M | $1.9M | 0.64% | 2.46% | 0.25% |
Loan mix (Q2 2026): real estate $144.8M · commercial $18.0M · consumer $7.9M · securities $137.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.8% | 62.9% | 52th |
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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