| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +25.9% | +4.0% | +22.0 pts |
| Loan growth (YoY) | +2.0% | +5.6% | -3.6 pts |
| ROA | 0.73% | 1.24% | -0.5 pts |
| ROE | 5.1% | 11.9% | -6.8 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.4M | $82.5M | $81.5M | $21.1M | $530K | 0.73% | 3.37% | 0.54% |
| Q1 2026 | $141.9M | $102.4M | $85.6M | $20.8M | $202K | 0.56% | 3.22% | 0.58% |
| Q4 2025 | $144.7M | $75.6M | $86.2M | $20.6M | $1.4M | 0.95% | 3.17% | 0.58% |
| Q3 2025 | $145.0M | $77.0M | $80.3M | $20.3M | $1.1M | 0.99% | 3.11% | 0.60% |
| Q2 2025 | $141.9M | $65.5M | $79.9M | $20.0M | $696K | 0.97% | 3.11% | 0.43% |
| Q1 2025 | $144.4M | $68.5M | $81.7M | $19.5M | $283K | 0.79% | 2.83% | 0.67% |
| Q4 2024 | $143.9M | $67.8M | $76.7M | $19.3M | $1.0M | 0.70% | 2.93% | 0.67% |
| Q3 2024 | $141.6M | $65.5M | $78.6M | $18.8M | $573K | 0.53% | 2.83% | 0.00% |
Loan mix (Q2 2026): real estate $59.1M · commercial $5.4M · consumer $347K · securities $9.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 1.24% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.0% | 62.9% | 87th |
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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