| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +1.3% | +5.6% | -4.3 pts |
| ROA | 1.14% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $225.4M | $202.3M | $150.2M | $22.6M | $1.3M | 1.14% | 4.99% | 2.37% |
| Q1 2026 | $225.2M | $202.5M | $152.2M | $22.2M | $681K | 1.23% | 4.97% | 2.29% |
| Q4 2025 | $217.6M | $195.6M | $149.3M | $21.6M | $2.2M | 0.97% | 4.82% | 2.44% |
| Q3 2025 | $221.8M | $196.1M | $152.1M | $22.9M | $1.7M | 1.03% | 4.73% | 2.36% |
| Q2 2025 | $222.9M | $201.5M | $148.3M | $21.0M | $1.1M | 0.96% | 4.63% | 2.20% |
| Q1 2025 | $223.5M | $202.4M | $147.5M | $20.7M | $554K | 1.00% | 4.45% | 2.29% |
| Q4 2024 | $221.6M | $201.7M | $148.3M | $19.5M | $1.9M | 0.86% | 4.28% | 2.43% |
| Q3 2024 | $226.5M | $203.6M | $149.5M | $22.4M | $1.6M | 0.93% | 4.22% | 2.08% |
Loan mix (Q2 2026): real estate $128.5M · commercial $11.0M · consumer $8.5M · securities $54.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.14% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.1% | 62.9% | 68th |
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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