| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +3.0% | +6.3 pts |
| Deposit growth (YoY) | +9.5% | +2.5% | +7.0 pts |
| Loan growth (YoY) | +7.5% | +2.6% | +4.9 pts |
| ROA | 0.31% | 0.99% | -0.7 pts |
| ROE | 2.2% | 8.1% | -5.9 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.9M | $24.9M | $26.5M | $4.2M | $46K | 0.31% | 4.32% | 0.11% |
| Q1 2026 | $30.0M | $25.1M | $25.6M | $4.2M | $22K | 0.30% | 4.20% | 0.09% |
| Q4 2025 | $28.9M | $24.0M | $25.5M | $4.2M | $102K | 0.37% | 4.38% | 0.16% |
| Q3 2025 | $28.1M | $23.0M | $25.6M | $4.2M | $83K | 0.41% | 4.41% | 0.24% |
| Q2 2025 | $27.3M | $22.7M | $24.7M | $4.2M | $45K | 0.33% | 4.32% | 0.10% |
| Q1 2025 | $27.4M | $22.1M | $23.5M | $4.1M | $9K | 0.13% | 4.02% | 0.10% |
| Q4 2024 | $26.0M | $20.8M | $23.4M | $4.1M | $23K | 0.09% | 4.24% | 0.11% |
| Q3 2024 | $25.4M | $19.7M | $22.7M | $4.1M | $11K | 0.06% | 4.19% | 0.11% |
Loan mix (Q2 2026): real estate $17.3M · commercial $344K · consumer $9.3M · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.31% | 0.99% | 21th | |
Return on equity Annualized net income ÷ equity or net worth | 2.2% | 8.1% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.32% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 70.8% | 84th |
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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