| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 2.20% | 1.24% | +1.0 pts |
| ROE | 21.1% | 11.9% | +9.2 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.1M | $174.9M | $94.6M | $20.5M | $2.2M | 2.20% | 4.25% | 0.00% |
| Q1 2026 | $197.6M | $176.6M | $90.3M | $20.5M | $1.1M | 2.18% | 4.11% | 0.00% |
| Q4 2025 | $195.9M | $174.7M | $99.4M | $20.6M | $4.0M | 2.06% | 4.31% | 0.09% |
| Q3 2025 | $187.4M | $166.3M | $90.2M | $20.4M | $3.0M | 2.12% | 4.27% | 0.09% |
| Q2 2025 | $186.9M | $166.3M | $87.3M | $20.0M | $2.1M | 2.17% | 4.25% | 0.09% |
| Q1 2025 | $194.0M | $173.8M | $83.0M | $19.6M | $1.1M | 2.29% | 4.13% | 0.00% |
| Q4 2024 | $195.5M | $175.9M | $88.9M | $19.0M | $3.8M | 2.08% | 4.34% | 0.00% |
| Q3 2024 | $179.6M | $159.7M | $89.1M | $19.2M | $3.0M | 2.17% | 4.31% | 0.00% |
Loan mix (Q2 2026): real estate $59.2M · commercial $14.1M · consumer $2.2M · securities $75.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.7% | 62.9% | 15th |
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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