| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | -10.3% | +5.6% | -15.8 pts |
| ROA | 2.48% | 1.24% | +1.2 pts |
| ROE | 23.2% | 11.9% | +11.4 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $347.2M | $282.8M | $202.2M | $37.8M | $4.3M | 2.48% | 3.55% | 0.38% |
| Q1 2026 | $350.9M | $287.9M | $217.4M | $36.8M | $3.0M | 3.52% | 3.38% | 0.98% |
| Q4 2025 | $335.3M | $273.4M | $224.9M | $35.8M | $1.4M | 0.40% | 3.12% | 1.41% |
| Q3 2025 | $335.7M | $274.7M | $224.2M | $34.8M | $873K | 0.34% | 3.10% | 1.13% |
| Q2 2025 | $332.5M | $268.7M | $225.4M | $33.8M | $562K | 0.33% | 3.16% | 0.80% |
| Q1 2025 | $337.5M | $271.1M | $232.1M | $33.1M | $119K | 0.14% | 3.14% | 1.04% |
| Q4 2024 | $352.2M | $273.2M | $240.6M | $32.5M | $1.9M | 0.53% | 2.71% | 1.28% |
| Q3 2024 | $355.2M | $275.6M | $240.7M | $32.6M | $1.2M | 0.45% | 2.72% | 0.75% |
Loan mix (Q2 2026): real estate $169.5M · commercial $9.7M · consumer $2.2M · securities $101.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.48% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 23.2% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 62.9% | 17th |
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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