| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.7 pts |
| ROA | 1.24% | 1.24% | -0.0 pts |
| ROE | 8.2% | 11.9% | -3.7 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.9M | $162.3M | $168.8M | $31.7M | $1.3M | 1.24% | 5.04% | 1.73% |
| Q1 2026 | $205.6M | $157.9M | $171.3M | $30.9M | $448K | 0.87% | 4.55% | 1.61% |
| Q4 2025 | $204.9M | $157.4M | $169.0M | $30.4M | $2.6M | 1.31% | 4.65% | 1.67% |
| Q3 2025 | $202.1M | $151.6M | $167.8M | $30.0M | $2.1M | 1.46% | 4.66% | 1.72% |
| Q2 2025 | $190.8M | $150.2M | $157.4M | $29.3M | $1.5M | 1.55% | 4.59% | 1.61% |
| Q1 2025 | $191.7M | $149.1M | $158.1M | $28.8M | $968K | 2.03% | 4.46% | 2.12% |
| Q4 2024 | $189.2M | $149.5M | $156.5M | $27.8M | $1.5M | 0.82% | 4.30% | 0.17% |
| Q3 2024 | $186.1M | $146.5M | $154.1M | $27.5M | $1.1M | 0.81% | 4.28% | 0.12% |
Loan mix (Q2 2026): real estate $162.7M · commercial $6.6M · consumer $1.3M · securities $1.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.24% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 62.9% | 60th |
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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