| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 10.7% | 11.9% | -1.2 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279.2M | $209.3M | $157.3M | $27.7M | $1.4M | 1.02% | 3.12% | 0.09% |
| Q1 2026 | $285.1M | $214.4M | $151.3M | $26.2M | $700K | 0.99% | 3.00% | 0.09% |
| Q4 2025 | $279.3M | $202.7M | $158.8M | $26.8M | $2.6M | 0.93% | 2.92% | 0.13% |
| Q3 2025 | $284.6M | $203.0M | $161.1M | $25.4M | $1.9M | 0.92% | 2.85% | 0.04% |
| Q2 2025 | $274.7M | $206.0M | $153.2M | $22.9M | $1.3M | 0.91% | 2.77% | 0.66% |
| Q1 2025 | $280.3M | $216.3M | $141.9M | $23.0M | $505K | 0.73% | 2.57% | 0.67% |
| Q4 2024 | $272.2M | $198.5M | $144.5M | $23.1M | $1.3M | 0.48% | 2.35% | 0.03% |
| Q3 2024 | $284.0M | $210.6M | $141.6M | $24.6M | $644K | 0.32% | 2.25% | 0.05% |
Loan mix (Q2 2026): real estate $102.8M · commercial $29.4M · consumer $6.2M · securities $100.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.5% | 62.9% | 61th |
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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