| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.1% | +4.4% | +4.8 pts |
| Deposit growth (YoY) | +8.2% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.1 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.1M | $147.4M | $66.1M | $16.1M | $1.2M | 1.53% | 2.96% | 0.02% |
| Q1 2026 | $164.6M | $147.9M | $64.8M | $16.0M | $605K | 1.50% | 2.91% | 0.02% |
| Q4 2025 | $158.0M | $141.2M | $67.5M | $15.8M | $2.1M | 1.37% | 2.84% | 0.25% |
| Q3 2025 | $154.0M | $137.8M | $65.5M | $15.0M | $1.5M | 1.35% | 2.81% | 1.32% |
| Q2 2025 | $150.4M | $136.3M | $63.3M | $13.5M | $923K | 1.25% | 2.74% | 0.06% |
| Q1 2025 | $149.0M | $135.6M | $61.6M | $12.8M | $421K | 1.15% | 2.68% | 0.02% |
| Q4 2024 | $143.2M | $130.9M | $61.9M | $11.6M | $1.4M | 1.02% | 2.54% | 0.00% |
| Q3 2024 | $141.1M | $127.3M | $59.5M | $13.1M | $1.0M | 0.99% | 2.53% | 0.53% |
Loan mix (Q2 2026): real estate $44.3M · commercial $4.8M · consumer $4.9M · securities $70.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.5% | 62.9% | 14th |
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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