| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +5.8% | +4.0% | +1.8 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.5 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 13.8% | 11.9% | +1.9 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $328.5M | $276.1M | $166.1M | $51.1M | $3.5M | 2.12% | 4.30% | 0.22% |
| Q1 2026 | $319.6M | $270.5M | $164.4M | $48.0M | $1.7M | 2.03% | 4.23% | 0.11% |
| Q4 2025 | $331.2M | $278.7M | $166.2M | $51.2M | $6.4M | 2.04% | 4.33% | 0.07% |
| Q3 2025 | $311.6M | $261.3M | $161.0M | $48.9M | $4.5M | 1.96% | 4.30% | 0.10% |
| Q2 2025 | $307.5M | $261.1M | $161.1M | $45.1M | $2.9M | 1.92% | 4.25% | 0.11% |
| Q1 2025 | $306.9M | $260.6M | $154.9M | $45.1M | $1.4M | 1.83% | 4.20% | 0.11% |
| Q4 2024 | $304.4M | $259.3M | $153.4M | $43.8M | $5.3M | 1.89% | 4.42% | 0.05% |
| Q3 2024 | $284.8M | $233.6M | $158.8M | $49.9M | $3.9M | 1.89% | 4.49% | 0.05% |
Loan mix (Q2 2026): real estate $140.7M · commercial $11.1M · consumer $9.4M · securities $118.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 62.9% | 36th |
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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