| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +7.9% | +4.0% | +3.9 pts |
| Loan growth (YoY) | +2.5% | +5.6% | -3.1 pts |
| ROA | 2.96% | 1.24% | +1.7 pts |
| ROE | 19.4% | 11.9% | +7.5 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.2M | $305.7M | $257.8M | $58.5M | $5.4M | 2.96% | 4.71% | 0.03% |
| Q1 2026 | $363.0M | $293.1M | $253.6M | $55.9M | $2.8M | 3.10% | 4.59% | 0.04% |
| Q4 2025 | $355.0M | $282.0M | $256.5M | $53.1M | $10.2M | 2.88% | 4.70% | 0.01% |
| Q3 2025 | $348.2M | $274.7M | $255.2M | $58.9M | $8.0M | 3.02% | 4.63% | 0.01% |
| Q2 2025 | $354.2M | $283.5M | $251.5M | $56.3M | $5.3M | 3.00% | 4.52% | 0.00% |
| Q1 2025 | $356.4M | $280.1M | $245.2M | $59.8M | $2.8M | 3.20% | 4.40% | 0.01% |
| Q4 2024 | $350.5M | $274.7M | $245.8M | $57.0M | $8.1M | 2.28% | 4.18% | 0.00% |
| Q3 2024 | $351.0M | $273.7M | $240.6M | $55.4M | $6.5M | 2.45% | 4.13% | 0.00% |
Loan mix (Q2 2026): real estate $248.6M · commercial $10.4M · consumer $865K · securities $59.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.96% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 11.9% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.71% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 36.2% | 62.9% | 2th |
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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