| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 21.6% | 11.9% | +9.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $269.0M | $235.1M | $203.1M | $22.3M | $2.4M | 1.80% | 4.47% | 0.03% |
| Q1 2026 | $262.6M | $229.1M | $193.8M | $22.0M | $1.2M | 1.85% | 4.41% | 0.07% |
| Q4 2025 | $260.4M | $220.2M | $196.0M | $21.9M | $4.9M | 1.92% | 4.31% | 0.05% |
| Q3 2025 | $261.4M | $224.8M | $195.9M | $21.6M | $3.7M | 1.94% | 4.24% | 0.05% |
| Q2 2025 | $259.1M | $224.1M | $193.5M | $20.9M | $2.5M | 1.99% | 4.20% | 0.05% |
| Q1 2025 | $257.9M | $226.7M | $194.2M | $19.8M | $1.0M | 1.67% | 4.01% | 0.11% |
| Q4 2024 | $242.2M | $212.8M | $177.2M | $18.3M | $4.4M | 1.79% | 3.81% | 0.14% |
| Q3 2024 | $246.5M | $215.5M | $176.8M | $19.7M | $3.2M | 1.76% | 3.74% | 0.09% |
Loan mix (Q2 2026): real estate $167.3M · commercial $21.5M · consumer $5.8M · securities $31.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 21.6% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 62.9% | 47th |
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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