| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.0% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | -0.0% | +5.6% | -5.6 pts |
| ROA | 1.59% | 1.24% | +0.4 pts |
| ROE | 8.4% | 11.9% | -3.5 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.2M | $149.5M | $105.3M | $35.8M | $1.5M | 1.59% | 3.59% | 0.49% |
| Q1 2026 | $182.9M | $147.5M | $108.7M | $34.4M | $708K | 1.56% | 3.68% | 0.18% |
| Q4 2025 | $181.1M | $145.8M | $107.0M | $34.6M | $2.2M | 1.23% | 3.45% | 0.24% |
| Q3 2025 | $176.5M | $141.8M | $108.1M | $33.9M | $1.7M | 1.29% | 3.42% | 0.00% |
| Q2 2025 | $177.3M | $144.1M | $105.4M | $32.4M | $1.1M | 1.23% | 3.38% | 0.00% |
| Q1 2025 | $177.5M | $144.8M | $109.2M | $32.0M | $548K | 1.24% | 3.43% | 0.01% |
| Q4 2024 | $175.7M | $143.5M | $103.6M | $31.6M | $1.6M | 0.97% | 3.18% | 0.01% |
| Q3 2024 | $175.7M | $142.7M | $101.0M | $32.2M | $1.2M | 0.96% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $62.2M · commercial $17.0M · consumer $3.7M · securities $47.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.59% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 62.9% | 12th |
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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