| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.2% | +4.4% | +4.9 pts |
| Deposit growth (YoY) | +10.4% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 1.22% | 1.24% | -0.0 pts |
| ROE | 12.2% | 11.9% | +0.3 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $297.6M | $255.9M | $230.9M | $29.3M | $1.7M | 1.22% | 4.71% | 1.89% |
| Q1 2026 | $283.3M | $252.4M | $221.3M | $28.5M | $809K | 1.17% | 4.63% | 2.71% |
| Q4 2025 | $270.8M | $231.2M | $218.2M | $27.7M | $4.0M | 1.48% | 5.20% | 1.23% |
| Q3 2025 | $280.6M | $238.6M | $224.2M | $29.3M | $3.1M | 1.53% | 5.11% | 0.57% |
| Q2 2025 | $272.4M | $231.8M | $216.2M | $28.0M | $2.1M | 1.60% | 5.15% | 0.34% |
| Q1 2025 | $261.3M | $221.8M | $204.9M | $26.9M | $1.0M | 1.58% | 5.10% | 1.01% |
| Q4 2024 | $254.4M | $216.6M | $205.9M | $25.8M | $3.4M | 1.36% | 4.90% | 0.39% |
| Q3 2024 | $256.8M | $217.3M | $205.4M | $27.1M | $2.3M | 1.26% | 4.77% | 0.11% |
Loan mix (Q2 2026): real estate $161.2M · commercial $32.4M · consumer $5.0M · securities $19.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 62.9% | 57th |
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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