| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.4% | +3.0% | +1.4 pts |
| Deposit growth (YoY) | +6.2% | +2.5% | +3.7 pts |
| Loan growth (YoY) | +5.7% | +2.6% | +3.1 pts |
| ROA | 0.57% | 0.99% | -0.4 pts |
| ROE | 7.0% | 8.1% | -1.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $93.2M | $72.3M | $72.3M | $7.6M | $265K | 0.57% | 3.64% | 1.59% |
| Q1 2026 | $91.9M | $70.6M | $71.4M | $7.6M | $160K | 0.69% | 3.71% | 2.14% |
| Q4 2025 | $94.0M | $71.4M | $72.1M | $7.4M | $502K | 0.55% | 3.28% | 1.68% |
| Q3 2025 | $92.6M | $69.3M | $71.1M | $7.1M | $333K | 0.49% | 3.20% | 1.40% |
| Q2 2025 | $89.3M | $68.1M | $68.3M | $6.7M | $247K | 0.55% | 3.13% | 1.41% |
| Q1 2025 | $89.8M | $65.5M | $67.3M | $6.5M | $109K | 0.49% | 3.11% | 1.12% |
| Q4 2024 | $89.4M | $66.1M | $67.5M | $6.3M | $386K | 0.44% | 3.00% | 1.01% |
| Q3 2024 | $88.8M | $65.1M | $67.6M | $6.6M | $335K | 0.51% | 3.14% | 0.91% |
Loan mix (Q2 2026): real estate $59.9M · commercial $7.5M · consumer $5.4M · securities $13.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.99% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.2% | 70.8% | 67th |
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.