| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 11.2% | 11.9% | -0.7 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.9M | $175.1M | $127.6M | $26.0M | $1.4M | 1.40% | 4.43% | 0.26% |
| Q1 2026 | $204.2M | $177.9M | $125.2M | $25.2M | $683K | 1.36% | 4.31% | 0.24% |
| Q4 2025 | $199.0M | $173.3M | $121.9M | $24.8M | $3.0M | 1.52% | 4.40% | 0.30% |
| Q3 2025 | $199.4M | $173.7M | $121.1M | $24.8M | $2.3M | 1.52% | 4.34% | 0.41% |
| Q2 2025 | $199.0M | $174.6M | $120.2M | $23.5M | $1.5M | 1.52% | 4.28% | 0.32% |
| Q1 2025 | $199.9M | $174.8M | $118.3M | $24.0M | $723K | 1.46% | 4.13% | 0.17% |
| Q4 2024 | $195.8M | $172.1M | $118.3M | $22.9M | $2.5M | 1.28% | 4.00% | 0.16% |
| Q3 2024 | $196.7M | $172.3M | $117.1M | $23.2M | $1.8M | 1.25% | 3.95% | 0.16% |
Loan mix (Q2 2026): real estate $109.8M · commercial $11.4M · consumer $3.3M · securities $50.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 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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