| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.8 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.6 pts |
| ROA | 1.59% | 1.24% | +0.4 pts |
| ROE | 8.3% | 11.9% | -3.6 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 | $201.4M | $146.5M | $107.8M | $38.4M | $1.6M | 1.59% | 4.15% | 0.66% |
| Q1 2026 | $199.1M | $151.1M | $99.4M | $37.4M | $678K | 1.39% | 4.08% | 0.72% |
| Q4 2025 | $190.0M | $142.2M | $106.5M | $37.5M | $3.0M | 1.54% | 4.06% | 0.39% |
| Q3 2025 | $197.9M | $138.7M | $110.1M | $37.0M | $2.8M | 1.96% | 3.98% | 1.06% |
| Q2 2025 | $192.0M | $146.3M | $98.8M | $37.6M | $1.6M | 1.67% | 3.71% | 1.03% |
| Q1 2025 | $193.4M | $149.4M | $89.8M | $36.4M | $802K | 1.70% | 3.71% | 0.08% |
| Q4 2024 | $185.0M | $142.2M | $93.9M | $35.4M | $3.2M | 1.68% | 3.48% | 0.04% |
| Q3 2024 | $189.8M | $136.2M | $97.2M | $35.0M | $2.3M | 1.63% | 3.41% | 0.15% |
Loan mix (Q2 2026): real estate $36.0M · commercial $19.8M · consumer $4.3M · securities $80.1M
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 | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.3% | 62.9% | 10th |
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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