| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.5% | +4.4% | -6.9 pts |
| Deposit growth (YoY) | -3.7% | +4.0% | -7.7 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 1.76% | 1.24% | +0.5 pts |
| ROE | 21.8% | 11.9% | +10.0 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $120.0M | $109.6M | $86.9M | $9.8M | $1.1M | 1.76% | 5.13% | 0.86% |
| Q1 2026 | $120.3M | $110.2M | $84.2M | $9.6M | $575K | 1.91% | 5.02% | 0.86% |
| Q4 2025 | $120.0M | $109.5M | $80.2M | $9.7M | $2.1M | 1.78% | 5.03% | 0.08% |
| Q3 2025 | $121.2M | $111.1M | $76.8M | $9.5M | $1.6M | 1.78% | 4.97% | 0.00% |
| Q2 2025 | $123.1M | $113.8M | $77.5M | $8.7M | $945K | 1.61% | 4.77% | 0.84% |
| Q1 2025 | $116.7M | $107.9M | $73.8M | $8.4M | $475K | 1.65% | 4.77% | 0.90% |
| Q4 2024 | $113.1M | $104.5M | $74.7M | $7.9M | $1.8M | 1.63% | 4.75% | 0.98% |
| Q3 2024 | $115.7M | $106.0M | $71.0M | $9.0M | $1.4M | 1.70% | 4.72% | 0.00% |
Loan mix (Q2 2026): real estate $82.2M · commercial $4.8M · consumer $507K · securities $23.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.76% | 1.24% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 21.8% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.13% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 62.9% | 49th |
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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