| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +14.6% | +5.6% | +9.1 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 12.8% | 11.9% | +1.0 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $394.9M | $344.0M | $276.0M | $44.5M | $2.8M | 1.42% | 4.07% | 0.07% |
| Q1 2026 | $384.0M | $326.6M | $255.8M | $43.2M | $1.4M | 1.41% | 4.00% | 0.09% |
| Q4 2025 | $391.2M | $326.9M | $254.3M | $42.3M | $5.5M | 1.46% | 4.01% | 0.00% |
| Q3 2025 | $389.2M | $338.2M | $246.7M | $43.4M | $4.1M | 1.45% | 3.91% | 0.00% |
| Q2 2025 | $384.6M | $335.2M | $240.8M | $41.7M | $2.6M | 1.43% | 3.87% | 0.44% |
| Q1 2025 | $369.3M | $322.3M | $235.4M | $40.0M | $1.3M | 1.39% | 3.80% | 0.00% |
| Q4 2024 | $354.4M | $308.3M | $233.3M | $37.9M | $4.7M | 1.37% | 3.81% | 0.00% |
| Q3 2024 | $356.1M | $302.6M | $224.1M | $44.0M | $3.7M | 1.45% | 3.87% | 0.00% |
Loan mix (Q2 2026): real estate $240.9M · commercial $40.3M · consumer $165K · securities $101.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 62.9% | 27th |
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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