| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +4.4% | +5.7 pts |
| Deposit growth (YoY) | +10.1% | +4.0% | +6.1 pts |
| Loan growth (YoY) | +13.6% | +5.6% | +8.0 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 7.1% | 11.9% | -4.7 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $135.9M | $120.4M | $82.0M | $14.7M | $516K | 0.77% | 3.45% | 3.31% |
| Q1 2026 | $136.5M | $121.3M | $81.1M | $14.5M | $323K | 0.98% | 3.52% | 2.72% |
| Q4 2025 | $128.4M | $113.3M | $76.0M | $14.3M | $1.3M | 1.07% | 3.82% | 2.20% |
| Q3 2025 | $127.3M | $112.4M | $72.9M | $14.0M | $1.3M | 1.38% | 3.84% | 2.47% |
| Q2 2025 | $123.5M | $109.4M | $72.2M | $13.3M | $921K | 1.48% | 3.80% | 2.12% |
| Q1 2025 | $123.2M | $110.0M | $71.3M | $12.5M | $356K | 1.14% | 3.63% | 2.22% |
| Q4 2024 | $126.0M | $113.4M | $71.5M | $11.7M | $1.5M | 1.25% | 4.00% | 0.82% |
| Q3 2024 | $121.0M | $108.0M | $71.5M | $12.1M | $1.1M | 1.25% | 4.00% | 0.91% |
Loan mix (Q2 2026): real estate $61.2M · commercial $10.6M · consumer $10.2M · securities $32.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 11.9% | 23th | |
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 | 77.8% | 62.9% | 82th |
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% |
The full ratio pack is part of CharterBench Pro.