| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | -0.7% | +4.0% | -4.6 pts |
| Loan growth (YoY) | -1.5% | +5.6% | -7.1 pts |
| ROA | 1.68% | 1.24% | +0.4 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 75th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $210.6M | $142.1M | $90.5M | $22.3M | $1.7M | 1.68% | 3.70% | 0.01% |
| Q1 2026 | $211.4M | $147.9M | $90.6M | $22.6M | $852K | 1.66% | 3.65% | 0.02% |
| Q4 2025 | $200.5M | $140.4M | $93.5M | $22.2M | $3.0M | 1.48% | 3.78% | 0.01% |
| Q3 2025 | $194.8M | $135.3M | $93.6M | $21.8M | $2.7M | 1.79% | 3.80% | 0.00% |
| Q2 2025 | $198.5M | $143.0M | $91.9M | $19.3M | $1.8M | 1.80% | 3.81% | 0.00% |
| Q1 2025 | $206.6M | $151.0M | $92.9M | $19.6M | $889K | 1.72% | 3.65% | 0.00% |
| Q4 2024 | $206.6M | $151.6M | $91.9M | $18.1M | $3.4M | 1.64% | 3.53% | 0.00% |
| Q3 2024 | $204.9M | $150.7M | $94.9M | $19.6M | $2.6M | 1.62% | 3.48% | 0.06% |
Loan mix (Q2 2026): real estate $66.5M · commercial $5.3M · consumer $2.6M · securities $80.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.24% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 62.9% | 26th |
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% |
The full ratio pack is part of CharterBench Pro.