| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +7.9% | +4.0% | +4.0 pts |
| Loan growth (YoY) | -3.7% | +5.6% | -9.3 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 9.4% | 11.9% | -2.4 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.2M | $224.2M | $175.5M | $40.3M | $1.9M | 1.28% | 3.77% | 0.22% |
| Q1 2026 | $286.8M | $218.2M | $179.8M | $39.1M | $936K | 1.30% | 3.74% | 0.33% |
| Q4 2025 | $289.8M | $221.1M | $183.0M | $38.6M | $3.3M | 1.18% | 3.57% | 0.23% |
| Q3 2025 | $298.5M | $227.8M | $185.8M | $38.1M | $2.4M | 1.15% | 3.47% | 0.24% |
| Q2 2025 | $277.3M | $207.7M | $182.3M | $36.6M | $1.6M | 1.18% | 3.45% | 0.21% |
| Q1 2025 | $269.1M | $205.8M | $173.1M | $35.2M | $807K | 1.18% | 3.43% | 0.25% |
| Q4 2024 | $276.3M | $211.3M | $174.1M | $33.9M | $2.7M | 0.96% | 2.98% | 0.35% |
| Q3 2024 | $292.8M | $226.2M | $173.1M | $35.2M | $2.0M | 0.93% | 2.86% | 0.26% |
Loan mix (Q2 2026): real estate $139.3M · commercial $27.5M · consumer $5.0M · securities $72.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.77% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 62.9% | 34th |
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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