| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +8.0% | +4.0% | +4.0 pts |
| Loan growth (YoY) | +0.9% | +5.6% | -4.7 pts |
| ROA | 1.45% | 1.24% | +0.2 pts |
| ROE | 17.5% | 11.9% | +5.6 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $457.4M | $411.6M | $330.9M | $38.4M | $3.3M | 1.45% | 3.95% | 1.17% |
| Q1 2026 | $451.1M | $405.5M | $326.2M | $38.5M | $1.4M | 1.20% | 3.79% | 2.07% |
| Q4 2025 | $467.0M | $402.8M | $332.0M | $37.3M | $7.3M | 1.63% | 4.04% | 2.66% |
| Q3 2025 | $448.5M | $383.0M | $329.7M | $37.3M | $5.6M | 1.70% | 4.05% | 2.10% |
| Q2 2025 | $447.3M | $381.3M | $328.1M | $36.7M | $3.7M | 1.72% | 3.98% | 1.44% |
| Q1 2025 | $437.9M | $371.7M | $326.2M | $36.9M | $1.7M | 1.56% | 3.99% | 1.02% |
| Q4 2024 | $423.4M | $359.4M | $318.8M | $35.1M | $7.7M | 1.89% | 4.25% | 1.02% |
| Q3 2024 | $405.9M | $340.6M | $318.0M | $34.9M | $5.5M | 1.83% | 4.29% | 1.24% |
Loan mix (Q2 2026): real estate $310.5M · commercial $13.9M · consumer $4.6M · securities $21.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.45% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 17.5% | 11.9% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 62.9% | 31th |
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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