| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +22.4% | +4.4% | +18.0 pts |
| Deposit growth (YoY) | +11.1% | +4.0% | +7.2 pts |
| Loan growth (YoY) | +17.8% | +5.6% | +12.2 pts |
| ROA | 0.53% | 1.24% | -0.7 pts |
| ROE | 1.8% | 11.9% | -10.1 pts |
ROA ranks in the 14th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.5M | $206.8M | $232.1M | $86.1M | $766K | 0.53% | 4.30% | 0.00% |
| Q1 2026 | $291.9M | $203.0M | $214.8M | $85.6M | $302K | 0.42% | 4.27% | 0.10% |
| Q4 2025 | $279.0M | $190.3M | $211.0M | $85.4M | $914K | 0.37% | 4.14% | 0.11% |
| Q3 2025 | $260.2M | $203.9M | $210.3M | $44.8M | $375K | 0.21% | 4.03% | 0.18% |
| Q2 2025 | $242.3M | $186.0M | $197.0M | $44.6M | $289K | 0.25% | 4.06% | 0.21% |
| Q1 2025 | $231.5M | $182.6M | $192.3M | $44.5M | $127K | 0.22% | 4.02% | 0.24% |
| Q4 2024 | $233.8M | $184.9M | $191.6M | $44.3M | $269K | 0.12% | 4.23% | 0.18% |
| Q3 2024 | $237.4M | $185.6M | $190.5M | $44.4M | $177K | 0.11% | 4.19% | 0.00% |
Loan mix (Q2 2026): real estate $228.0M · commercial $5.8M · consumer $803K · securities $4.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 1.24% | 14th | |
Return on equity Annualized net income ÷ equity or net worth | 1.8% | 11.9% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 62.9% | 81th |
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% |
The full ratio pack is part of CharterBench Pro.