| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.9% | -0.4 pts |
| Deposit growth (YoY) | +2.6% | +4.3% | -1.7 pts |
| Loan growth (YoY) | +6.1% | +5.3% | +0.8 pts |
| ROA | 1.91% | 1.28% | +0.6 pts |
| ROE | 13.6% | 12.4% | +1.2 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $686.2M | $579.2M | $369.9M | $96.8M | $6.4M | 1.91% | 4.88% | 0.27% |
| Q1 2026 | $671.9M | $567.4M | $361.4M | $93.6M | $3.2M | 1.93% | 4.84% | 0.31% |
| Q4 2025 | $661.8M | $558.4M | $357.7M | $93.1M | $12.4M | 1.89% | 4.86% | 0.31% |
| Q3 2025 | $671.5M | $571.3M | $350.9M | $89.9M | $9.2M | 1.88% | 4.84% | 0.27% |
| Q2 2025 | $656.4M | $564.5M | $348.6M | $84.9M | $5.9M | 1.85% | 4.81% | 0.28% |
| Q1 2025 | $650.2M | $561.9M | $342.5M | $81.0M | $2.7M | 1.69% | 4.74% | 0.31% |
| Q4 2024 | $621.2M | $534.1M | $335.4M | $79.8M | $11.1M | 1.67% | 4.40% | 0.28% |
| Q3 2024 | $652.1M | $541.2M | $335.7M | $78.4M | $8.5M | 1.68% | 4.31% | 0.29% |
Loan mix (Q2 2026): real estate $334.9M · commercial $30.8M · consumer $2.8M · securities $184.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.28% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.4% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 61.2% | 20th |
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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