| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.2M | $135.4M | $91.9M | $12.3M | $680K | 0.91% | 3.34% | 1.02% |
| Q1 2026 | $149.3M | $135.8M | $91.1M | $11.9M | $325K | 0.87% | 3.31% | 1.07% |
| Q4 2025 | $148.2M | $130.9M | $89.7M | $12.0M | $1.4M | 0.99% | 3.28% | 1.11% |
| Q3 2025 | $150.0M | $136.5M | $88.2M | $11.8M | $1.0M | 0.94% | 3.26% | 0.79% |
| Q2 2025 | $147.3M | $135.0M | $88.9M | $10.8M | $637K | 0.90% | 3.22% | 0.94% |
| Q1 2025 | $140.8M | $129.7M | $87.0M | $9.6M | $312K | 0.90% | 3.21% | 1.06% |
| Q4 2024 | $137.8M | $126.9M | $89.7M | $9.2M | $1.1M | 0.80% | 3.23% | 0.93% |
| Q3 2024 | $134.4M | $122.9M | $89.9M | $9.9M | $776K | 0.80% | 3.27% | 0.91% |
Loan mix (Q2 2026): real estate $53.7M · commercial $22.9M · consumer $9.3M · securities $45.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
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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