| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.3 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.1 pts |
| Loan growth (YoY) | -2.0% | +5.6% | -7.6 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $265.0M | $241.9M | $124.2M | $22.5M | $1.3M | 0.96% | 3.38% | 0.00% |
| Q1 2026 | $256.1M | $233.6M | $124.7M | $21.9M | $549K | 0.85% | 3.27% | 0.01% |
| Q4 2025 | $260.5M | $237.3M | $123.7M | $22.1M | $2.2M | 0.84% | 3.18% | 0.00% |
| Q3 2025 | $267.5M | $245.2M | $126.4M | $21.7M | $1.6M | 0.85% | 3.14% | 0.00% |
| Q2 2025 | $246.2M | $226.0M | $126.8M | $19.8M | $1.0M | 0.82% | 3.14% | 0.03% |
| Q1 2025 | $242.4M | $222.4M | $125.0M | $19.5M | $469K | 0.75% | 3.05% | 0.00% |
| Q4 2024 | $261.0M | $241.9M | $126.3M | $18.1M | $1.8M | 0.72% | 2.90% | 0.01% |
| Q3 2024 | $267.0M | $246.2M | $125.2M | $20.2M | $1.2M | 0.66% | 2.86% | 0.00% |
Loan mix (Q2 2026): real estate $106.9M · commercial $1.8M · consumer $3.4M · securities $92.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.2% | 62.9% | 60th |
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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