| Metric | Local Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.9% | +4.4% | +5.6 pts |
| Deposit growth (YoY) | +15.6% | +4.0% | +11.7 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 0.34% | 1.24% | -0.9 pts |
| ROE | 3.2% | 11.9% | -8.7 pts |
ROA ranks in the 9th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $463.1M | $382.6M | $348.1M | $47.0M | $755K | 0.34% | 3.92% | 0.39% |
| Q1 2026 | $441.4M | $363.3M | $334.1M | $46.9M | $307K | 0.28% | 3.82% | 0.14% |
| Q4 2025 | $429.0M | $361.3M | $325.4M | $47.1M | $1.8M | 0.43% | 3.54% | 0.27% |
| Q3 2025 | $412.5M | $339.1M | $312.9M | $47.1M | $1.5M | 0.49% | 3.47% | 0.15% |
| Q2 2025 | $421.2M | $331.0M | $295.6M | $46.9M | $1.1M | 0.51% | 3.38% | 0.15% |
| Q1 2025 | $409.1M | $332.4M | $284.0M | $46.3M | $284K | 0.28% | 3.32% | 0.19% |
| Q4 2024 | $401.6M | $335.5M | $281.8M | $46.0M | $1.5M | 0.40% | 3.18% | 0.18% |
| Q3 2024 | $392.6M | $330.6M | $264.7M | $46.7M | $1.3M | 0.46% | 3.28% | 0.13% |
Loan mix (Q2 2026): real estate $239.4M · commercial $42.1M · consumer $29.1M · securities $20.7M
| Ratio | Local Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.34% | 1.24% | 9th | |
Return on equity Annualized net income ÷ equity or net worth | 3.2% | 11.9% | 9th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.4% | 62.9% | 93th |
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 | Local Bank | 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 | Local Bank | 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 | Local Bank | 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 | Local Bank | 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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