| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.3% | +4.4% | +9.9 pts |
| Deposit growth (YoY) | +7.9% | +4.0% | +4.0 pts |
| Loan growth (YoY) | +19.6% | +5.6% | +14.0 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 5.3% | 11.9% | -6.5 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.0M | $177.7M | $178.0M | $28.1M | $739K | 0.65% | 3.60% | 0.54% |
| Q1 2026 | $230.2M | $187.3M | $174.6M | $27.7M | $335K | 0.59% | 3.33% | 0.26% |
| Q4 2025 | $226.1M | $183.3M | $160.8M | $27.4M | $3.8M | 1.92% | 3.75% | 0.32% |
| Q3 2025 | $210.8M | $173.1M | $154.6M | $26.9M | $3.4M | 2.35% | 3.34% | 0.77% |
| Q2 2025 | $199.5M | $164.7M | $148.9M | $23.7M | $198K | 0.21% | 3.30% | 0.83% |
| Q1 2025 | $190.8M | $157.4M | $143.3M | $22.5M | $26K | 0.06% | 3.23% | 0.87% |
| Q4 2024 | $174.5M | $139.8M | $127.7M | $22.5M | $-1.1M | -0.70% | 3.27% | 1.40% |
| Q3 2024 | $169.4M | $135.2M | $122.0M | $22.7M | $-867K | -0.75% | 3.25% | 1.48% |
Loan mix (Q2 2026): real estate $140.5M · commercial $39.2M · consumer $0 · securities $12.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 5.3% | 11.9% | 15th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.5% | 62.9% | 83th |
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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