| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | +11.0% | +5.6% | +5.4 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 18.1% | 11.9% | +6.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $356.3M | $327.3M | $261.4M | $25.3M | $2.2M | 1.27% | 4.14% | 0.47% |
| Q1 2026 | $351.0M | $317.6M | $259.4M | $25.1M | $990K | 1.13% | 4.13% | 0.27% |
| Q4 2025 | $352.5M | $309.9M | $263.2M | $24.1M | $3.2M | 0.96% | 3.93% | 0.38% |
| Q3 2025 | $348.3M | $311.6M | $248.9M | $23.3M | $2.5M | 1.00% | 3.90% | 0.34% |
| Q2 2025 | $330.6M | $306.0M | $235.6M | $21.2M | $1.5M | 0.93% | 3.83% | 0.23% |
| Q1 2025 | $329.3M | $305.0M | $230.9M | $20.9M | $646K | 0.78% | 3.76% | 0.28% |
| Q4 2024 | $332.1M | $308.9M | $230.0M | $19.7M | $2.3M | 0.69% | 3.52% | 0.16% |
| Q3 2024 | $329.0M | $304.3M | $224.3M | $21.5M | $1.7M | 0.69% | 3.44% | 0.22% |
Loan mix (Q2 2026): real estate $212.8M · commercial $12.7M · consumer $10.4M · securities $51.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.5% | 62.9% | 67th |
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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