| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +14.5% | +5.6% | +8.9 pts |
| ROA | 1.60% | 1.24% | +0.4 pts |
| ROE | 7.0% | 11.9% | -4.8 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $398.6M | $255.7M | $274.3M | $92.5M | $3.2M | 1.60% | 4.10% | 0.81% |
| Q1 2026 | $396.9M | $259.7M | $271.1M | $90.5M | $1.6M | 1.64% | 4.06% | 0.80% |
| Q4 2025 | $402.7M | $252.0M | $274.0M | $89.3M | $5.4M | 1.44% | 3.93% | 0.30% |
| Q3 2025 | $377.4M | $246.0M | $248.6M | $87.7M | $4.4M | 1.57% | 3.95% | 0.84% |
| Q2 2025 | $371.9M | $242.4M | $239.5M | $85.4M | $2.9M | 1.57% | 3.94% | 0.82% |
| Q1 2025 | $366.9M | $245.8M | $234.0M | $84.0M | $1.4M | 1.51% | 3.94% | 0.29% |
| Q4 2024 | $359.4M | $241.0M | $225.8M | $83.7M | $5.2M | 1.47% | 3.82% | 0.16% |
| Q3 2024 | $355.1M | $245.3M | $222.9M | $83.6M | $3.7M | 1.40% | 3.81% | 0.16% |
Loan mix (Q2 2026): real estate $246.9M · commercial $26.2M · consumer $4.8M · securities $85.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 1.24% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.2% | 62.9% | 27th |
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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