| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +13.1% | +5.6% | +7.6 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $143.2M | $126.8M | $120.6M | $15.0M | $919K | 1.29% | 5.00% | 1.32% |
| Q1 2026 | $144.0M | $128.0M | $115.2M | $14.5M | $375K | 1.05% | 4.80% | 1.19% |
| Q4 2025 | $140.6M | $124.8M | $114.7M | $14.6M | $1.6M | 1.15% | 4.79% | 1.76% |
| Q3 2025 | $137.4M | $119.4M | $111.9M | $14.1M | $1.0M | 1.02% | 4.77% | 2.46% |
| Q2 2025 | $135.5M | $118.0M | $106.6M | $13.6M | $641K | 0.95% | 4.65% | 0.66% |
| Q1 2025 | $134.0M | $119.3M | $103.7M | $13.2M | $281K | 0.83% | 4.56% | 0.73% |
| Q4 2024 | $135.6M | $120.5M | $103.2M | $13.0M | $963K | 0.72% | 4.21% | 2.14% |
| Q3 2024 | $134.1M | $112.6M | $102.7M | $13.2M | $778K | 0.78% | 4.19% | 1.53% |
Loan mix (Q2 2026): real estate $101.2M · commercial $10.1M · consumer $3.7M · securities $6.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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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