| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +2.1% | +5.6% | -3.5 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 15.2% | 11.9% | +3.3 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $312.2M | $252.1M | $192.6M | $23.8M | $1.8M | 1.13% | 3.61% | 1.61% |
| Q1 2026 | $311.1M | $254.7M | $192.3M | $22.7M | $804K | 1.04% | 3.54% | 0.26% |
| Q4 2025 | $308.7M | $256.4M | $191.8M | $22.9M | $3.4M | 1.13% | 3.44% | 0.32% |
| Q3 2025 | $308.1M | $258.2M | $190.1M | $21.6M | $2.5M | 1.09% | 3.39% | 0.23% |
| Q2 2025 | $301.7M | $251.1M | $188.6M | $19.1M | $1.4M | 0.94% | 3.26% | 0.11% |
| Q1 2025 | $304.8M | $250.3M | $188.0M | $17.5M | $613K | 0.81% | 3.14% | 0.05% |
| Q4 2024 | $298.9M | $250.8M | $186.7M | $15.5M | $2.7M | 0.89% | 3.06% | 0.00% |
| Q3 2024 | $310.5M | $251.6M | $189.1M | $18.7M | $1.9M | 0.85% | 3.04% | 0.01% |
Loan mix (Q2 2026): real estate $158.1M · commercial $19.5M · consumer $8.2M · securities $98.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 15.2% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.5% | 62.9% | 70th |
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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