| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +4.4% | +3.4 pts |
| Deposit growth (YoY) | +10.3% | +4.0% | +6.4 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.3 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 11.3% | 11.9% | -0.6 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $195.5M | $165.7M | $137.4M | $22.7M | $1.2M | 1.30% | 3.24% | 0.15% |
| Q1 2026 | $195.6M | $165.4M | $133.2M | $22.0M | $619K | 1.30% | 3.23% | 0.03% |
| Q4 2025 | $186.2M | $153.6M | $134.4M | $21.7M | $1.9M | 1.01% | 2.88% | 0.23% |
| Q3 2025 | $181.3M | $151.6M | $130.0M | $21.0M | $1.4M | 0.99% | 2.80% | 0.35% |
| Q2 2025 | $181.5M | $150.2M | $126.3M | $20.3M | $906K | 0.99% | 2.72% | 0.00% |
| Q1 2025 | $182.2M | $154.4M | $125.1M | $19.6M | $434K | 0.94% | 2.64% | 0.00% |
| Q4 2024 | $185.4M | $154.0M | $126.2M | $18.7M | $934K | 0.50% | 2.23% | 0.00% |
| Q3 2024 | $185.4M | $148.4M | $129.6M | $19.6M | $688K | 0.48% | 2.18% | 0.01% |
Loan mix (Q2 2026): real estate $113.5M · commercial $8.9M · consumer $5.6M · securities $39.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 62.9% | 17th |
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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