| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.5% | +4.4% | +4.1 pts |
| Deposit growth (YoY) | +11.9% | +4.0% | +7.9 pts |
| Loan growth (YoY) | +7.5% | +5.6% | +1.9 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.9M | $133.9M | $106.8M | $16.3M | $1.0M | 1.33% | 4.16% | 0.25% |
| Q1 2026 | $156.7M | $132.4M | $104.7M | $15.9M | $453K | 1.19% | 4.10% | 0.19% |
| Q4 2025 | $148.2M | $122.4M | $102.8M | $16.1M | $1.7M | 1.16% | 3.91% | 0.22% |
| Q3 2025 | $146.9M | $122.5M | $99.4M | $15.7M | $1.2M | 1.12% | 3.87% | 0.19% |
| Q2 2025 | $144.6M | $119.7M | $99.3M | $15.2M | $783K | 1.09% | 3.80% | 0.20% |
| Q1 2025 | $142.5M | $115.0M | $96.8M | $14.8M | $377K | 1.05% | 3.72% | 0.19% |
| Q4 2024 | $143.6M | $120.0M | $98.2M | $14.7M | $1.3M | 0.93% | 3.32% | 0.23% |
| Q3 2024 | $144.5M | $113.7M | $96.0M | $14.6M | $959K | 0.90% | 3.25% | 0.19% |
Loan mix (Q2 2026): real estate $86.9M · commercial $7.1M · consumer $2.3M · securities $40.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.3% | 62.9% | 37th |
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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