| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.1 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 2.24% | 1.24% | +1.0 pts |
| ROE | 26.5% | 11.9% | +14.7 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.2M | $326.4M | $180.2M | $31.7M | $4.0M | 2.24% | 3.34% | 0.23% |
| Q1 2026 | $361.5M | $330.1M | $178.0M | $30.0M | $1.3M | 1.39% | 3.27% | 0.20% |
| Q4 2025 | $359.9M | $329.7M | $181.8M | $29.4M | $4.6M | 1.30% | 3.30% | 0.17% |
| Q3 2025 | $359.4M | $330.2M | $177.8M | $28.2M | $3.5M | 1.33% | 3.31% | 0.13% |
| Q2 2025 | $351.7M | $327.0M | $174.1M | $23.9M | $2.4M | 1.34% | 3.27% | 0.41% |
| Q1 2025 | $358.8M | $334.4M | $172.3M | $23.4M | $1.2M | 1.34% | 3.17% | 0.18% |
| Q4 2024 | $349.9M | $328.0M | $171.5M | $20.9M | $4.5M | 1.29% | 3.20% | 0.13% |
| Q3 2024 | $352.8M | $327.4M | $171.9M | $24.5M | $3.4M | 1.32% | 3.19% | 0.12% |
Loan mix (Q2 2026): real estate $137.3M · commercial $31.3M · consumer $12.9M · securities $152.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 26.5% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.8% | 62.9% | 8th |
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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