| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.9% | +4.4% | -7.3 pts |
| Deposit growth (YoY) | -6.0% | +4.0% | -10.0 pts |
| Loan growth (YoY) | +2.7% | +5.6% | -2.9 pts |
| ROA | 3.40% | 1.24% | +2.2 pts |
| ROE | 26.4% | 11.9% | +14.5 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $257.3M | $218.3M | $127.1M | $35.7M | $4.4M | 3.40% | 3.45% | 0.77% |
| Q1 2026 | $259.9M | $221.4M | $130.5M | $32.7M | $709K | 1.09% | 3.34% | 0.66% |
| Q4 2025 | $261.7M | $226.1M | $131.2M | $32.1M | $2.9M | 1.13% | 3.19% | 0.90% |
| Q3 2025 | $261.7M | $221.1M | $130.2M | $32.0M | $2.1M | 1.08% | 3.10% | 0.49% |
| Q2 2025 | $265.0M | $232.3M | $123.7M | $30.2M | $1.4M | 1.07% | 2.97% | 0.49% |
| Q1 2025 | $255.2M | $221.9M | $122.1M | $30.5M | $553K | 0.87% | 3.00% | 0.60% |
| Q4 2024 | $255.4M | $223.0M | $120.5M | $29.9M | $2.9M | 1.18% | 3.34% | 0.86% |
| Q3 2024 | $251.4M | $217.5M | $122.2M | $31.3M | $2.1M | 1.12% | 3.35% | 0.55% |
Loan mix (Q2 2026): real estate $60.5M · commercial $45.5M · consumer $21.1M · securities $110.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.40% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 26.4% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 32.8% | 62.9% | 1th |
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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