| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +8.5% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +9.5% | +5.6% | +3.9 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 9.9% | 11.9% | -2.0 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $204.0M | $180.3M | $169.8M | $20.9M | $1.1M | 1.07% | 3.82% | 0.31% |
| Q1 2026 | $197.4M | $172.8M | $167.9M | $21.9M | $485K | 1.00% | 3.77% | 0.32% |
| Q4 2025 | $191.4M | $167.6M | $154.2M | $21.2M | $1.6M | 0.80% | 3.56% | 0.33% |
| Q3 2025 | $188.7M | $164.5M | $147.4M | $21.3M | $1.3M | 0.91% | 3.56% | 0.00% |
| Q2 2025 | $193.3M | $166.1M | $155.1M | $21.0M | $882K | 0.90% | 3.49% | 0.68% |
| Q1 2025 | $196.5M | $167.9M | $155.0M | $21.1M | $441K | 0.89% | 3.45% | 0.00% |
| Q4 2024 | $200.7M | $170.0M | $159.1M | $21.2M | $1.6M | 0.77% | 3.29% | 0.05% |
| Q3 2024 | $205.8M | $173.8M | $161.6M | $21.0M | $1.2M | 0.76% | 3.29% | 0.80% |
Loan mix (Q2 2026): real estate $143.0M · commercial $13.6M · consumer $823K · securities $9.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.8% | 62.9% | 47th |
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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