| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +6.8% | +5.6% | +1.2 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 16.8% | 11.9% | +4.9 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $164.7M | $143.7M | $124.4M | $18.7M | $1.5M | 1.85% | 6.20% | 0.94% |
| Q1 2026 | $166.9M | $146.3M | $119.2M | $18.2M | $542K | 1.29% | 5.76% | 2.13% |
| Q4 2025 | $168.8M | $148.1M | $120.6M | $18.2M | $1.8M | 1.08% | 5.17% | 2.22% |
| Q3 2025 | $156.6M | $135.8M | $119.2M | $18.1M | $1.3M | 1.10% | 5.15% | 2.24% |
| Q2 2025 | $162.4M | $142.1M | $116.5M | $17.8M | $833K | 1.01% | 4.99% | 2.34% |
| Q1 2025 | $164.9M | $145.0M | $111.7M | $17.3M | $375K | 0.90% | 4.87% | 2.32% |
| Q4 2024 | $169.8M | $150.2M | $113.6M | $17.0M | $1.4M | 0.85% | 4.87% | 2.37% |
| Q3 2024 | $158.9M | $139.1M | $111.8M | $17.1M | $1.0M | 0.82% | 4.94% | 0.20% |
Loan mix (Q2 2026): real estate $91.8M · commercial $17.0M · consumer $3.8M · securities $21.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 62.9% | 62th |
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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