| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.0% | +5.4 pts |
| Deposit growth (YoY) | +9.4% | +2.5% | +6.9 pts |
| Loan growth (YoY) | +4.8% | +2.6% | +2.2 pts |
| ROA | 0.73% | 0.99% | -0.3 pts |
| ROE | 3.9% | 8.1% | -4.2 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $95.2M | $74.8M | $79.8M | $18.2M | $349K | 0.73% | 3.68% | 0.64% |
| Q1 2026 | $97.4M | $77.1M | $79.8M | $17.9M | $174K | 0.73% | 3.74% | 1.23% |
| Q4 2025 | $94.1M | $74.1M | $80.0M | $17.8M | $579K | 0.65% | 3.48% | 0.45% |
| Q3 2025 | $91.1M | $71.4M | $79.5M | $17.6M | $346K | 0.52% | 3.39% | 0.51% |
| Q2 2025 | $87.8M | $68.4M | $76.1M | $17.5M | $229K | 0.53% | 3.39% | 0.82% |
| Q1 2025 | $86.5M | $67.1M | $75.5M | $17.3M | $74K | 0.34% | 3.16% | 0.96% |
| Q4 2024 | $86.8M | $67.5M | $73.6M | $17.2M | $172K | 0.21% | 3.10% | 0.95% |
| Q3 2024 | $83.4M | $64.3M | $72.9M | $17.2M | $133K | 0.22% | 3.15% | 0.98% |
Loan mix (Q2 2026): real estate $77.8M · commercial $0 · consumer $2.1M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.99% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 3.9% | 8.1% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.68% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 70.8% | 44th |
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.