| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +2.4% | +4.0% | -1.6 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.15% | 1.24% | -0.1 pts |
| ROE | 11.5% | 11.9% | -0.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $102.0M | $91.2M | $72.3M | $10.4M | $587K | 1.15% | 4.65% | 0.00% |
| Q1 2026 | $101.9M | $91.5M | $70.8M | $10.1M | $355K | 1.40% | 4.57% | 0.11% |
| Q4 2025 | $101.3M | $90.8M | $71.7M | $10.1M | $1.2M | 1.23% | 4.05% | 0.12% |
| Q3 2025 | $103.1M | $93.0M | $71.4M | $9.7M | $832K | 1.10% | 3.92% | 0.05% |
| Q2 2025 | $99.1M | $89.1M | $68.8M | $9.6M | $483K | 0.97% | 3.82% | 0.00% |
| Q1 2025 | $99.0M | $88.3M | $70.4M | $9.3M | $231K | 0.92% | 3.77% | 0.00% |
| Q4 2024 | $101.5M | $89.5M | $69.9M | $8.9M | $683K | 0.67% | 3.33% | 0.00% |
| Q3 2024 | $103.1M | $91.2M | $70.5M | $9.1M | $461K | 0.61% | 3.22% | 0.00% |
Loan mix (Q2 2026): real estate $60.8M · commercial $11.2M · consumer $935K · securities $13.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.15% | 1.24% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 11.5% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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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