| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +3.1% | +4.0% | -0.9 pts |
| Loan growth (YoY) | +3.6% | +5.6% | -2.0 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 11.4% | 11.9% | -0.5 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.6M | $125.0M | $76.6M | $13.0M | $742K | 1.05% | 4.01% | 0.02% |
| Q1 2026 | $140.5M | $124.4M | $76.1M | $13.1M | $375K | 1.06% | 3.90% | 0.00% |
| Q4 2025 | $143.0M | $126.3M | $76.6M | $13.0M | $1.4M | 0.98% | 3.75% | 0.00% |
| Q3 2025 | $142.3M | $126.0M | $76.6M | $12.7M | $887K | 0.85% | 3.70% | 0.22% |
| Q2 2025 | $137.1M | $121.2M | $73.9M | $11.2M | $468K | 0.68% | 3.52% | 0.49% |
| Q1 2025 | $134.6M | $120.3M | $74.7M | $11.4M | $241K | 0.70% | 3.52% | 0.00% |
| Q4 2024 | $140.0M | $125.2M | $75.5M | $10.8M | $880K | 0.64% | 3.26% | 0.12% |
| Q3 2024 | $141.1M | $125.0M | $76.3M | $11.8M | $639K | 0.62% | 3.25% | 0.18% |
Loan mix (Q2 2026): real estate $72.9M · commercial $3.2M · consumer $879K · securities $52.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 11.4% | 11.9% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.7% | 62.9% | 76th |
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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