| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 1.17% | 1.24% | -0.1 pts |
| ROE | 21.1% | 11.9% | +9.2 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $402.3M | $324.4M | $247.9M | $24.5M | $2.4M | 1.17% | 2.89% | 0.84% |
| Q1 2026 | $403.5M | $337.2M | $248.3M | $21.3M | $1.2M | 1.14% | 2.81% | 0.81% |
| Q4 2025 | $401.5M | $324.3M | $251.5M | $21.4M | $4.0M | 1.06% | 2.77% | 0.72% |
| Q3 2025 | $409.4M | $350.6M | $230.9M | $18.7M | $2.9M | 1.05% | 2.75% | 0.71% |
| Q2 2025 | $378.9M | $321.7M | $220.9M | $15.6M | $2.0M | 1.09% | 2.81% | 0.77% |
| Q1 2025 | $356.4M | $310.9M | $209.0M | $17.9M | $989K | 1.12% | 2.77% | 0.81% |
| Q4 2024 | $350.6M | $290.7M | $203.2M | $19.3M | $3.7M | 1.06% | 2.60% | 0.82% |
| Q3 2024 | $349.1M | $291.3M | $192.2M | $19.9M | $2.7M | 1.06% | 2.54% | 0.82% |
Loan mix (Q2 2026): real estate $190.6M · commercial $19.1M · consumer $10.6M · securities $126.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 21.1% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.3% | 62.9% | 25th |
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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