| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +3.0% | +2.2 pts |
| Deposit growth (YoY) | +7.2% | +2.5% | +4.7 pts |
| Loan growth (YoY) | +4.9% | +2.6% | +2.3 pts |
| ROA | 2.31% | 0.99% | +1.3 pts |
| ROE | 13.7% | 8.1% | +5.6 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $63.5M | $40.6M | $58.2M | $11.2M | $754K | 2.31% | 4.99% | 0.00% |
| Q1 2026 | $65.5M | $44.0M | $56.6M | $11.0M | $357K | 2.16% | 4.86% | 0.00% |
| Q4 2025 | $66.7M | $44.3M | $56.1M | $10.9M | $1.2M | 1.84% | 4.74% | 0.00% |
| Q3 2025 | $61.4M | $40.4M | $56.4M | $10.8M | $796K | 1.72% | 4.77% | 0.00% |
| Q2 2025 | $60.4M | $37.8M | $55.5M | $10.7M | $562K | 1.82% | 4.74% | 0.15% |
| Q1 2025 | $60.5M | $40.2M | $55.6M | $10.6M | $256K | 1.64% | 4.62% | 0.01% |
| Q4 2024 | $64.2M | $44.2M | $56.9M | $10.6M | $888K | 1.39% | 4.06% | 0.42% |
| Q3 2024 | $63.5M | $43.6M | $58.2M | $10.5M | $626K | 1.31% | 4.00% | 0.07% |
Loan mix (Q2 2026): real estate $58.6M · commercial $46K · consumer $0 · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 0.99% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 8.1% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 70.8% | 14th |
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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