| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +2.9 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 11.3% | 11.9% | -0.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.8M | $362.6M | $204.6M | $21.8M | $1.2M | 0.65% | 3.05% | 0.49% |
| Q1 2026 | $369.9M | $347.0M | $201.7M | $21.4M | $476K | 0.52% | 2.92% | 0.51% |
| Q4 2025 | $367.5M | $345.0M | $200.3M | $21.0M | $1.8M | 0.51% | 2.74% | 0.45% |
| Q3 2025 | $364.3M | $342.5M | $202.1M | $20.2M | $1.3M | 0.48% | 2.67% | 0.49% |
| Q2 2025 | $357.4M | $339.2M | $199.0M | $16.9M | $676K | 0.38% | 2.61% | 0.45% |
| Q1 2025 | $358.9M | $341.1M | $195.0M | $16.5M | $303K | 0.34% | 2.51% | 0.45% |
| Q4 2024 | $353.1M | $337.4M | $193.4M | $14.5M | $790K | 0.22% | 2.30% | 0.46% |
| Q3 2024 | $366.6M | $347.9M | $192.0M | $17.4M | $412K | 0.16% | 2.23% | 0.48% |
Loan mix (Q2 2026): real estate $168.9M · commercial $13.8M · consumer $21.4M · securities $104.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 62.9% | 81th |
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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