| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.7% | +4.4% | -1.7 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +1.8% | +5.6% | -3.8 pts |
| ROA | 0.91% | 1.24% | -0.3 pts |
| ROE | 18.0% | 11.9% | +6.2 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $115.5M | $109.0M | $50.5M | $6.2M | $521K | 0.91% | 3.05% | 0.61% |
| Q1 2026 | $112.9M | $106.9M | $48.7M | $5.7M | $241K | 0.85% | 3.05% | 0.44% |
| Q4 2025 | $114.9M | $109.2M | $51.7M | $5.4M | $785K | 0.71% | 3.05% | 0.45% |
| Q3 2025 | $109.3M | $102.8M | $51.7M | $6.2M | $657K | 0.80% | 3.04% | 0.46% |
| Q2 2025 | $112.6M | $106.6M | $49.6M | $5.6M | $394K | 0.71% | 3.02% | 0.35% |
| Q1 2025 | $108.3M | $103.2M | $48.0M | $4.9M | $127K | 0.47% | 2.99% | 0.43% |
| Q4 2024 | $109.9M | $106.3M | $49.7M | $3.2M | $1.0M | 0.95% | 2.92% | 0.43% |
| Q3 2024 | $109.7M | $105.5M | $48.7M | $3.9M | $633K | 0.79% | 2.84% | 0.44% |
Loan mix (Q2 2026): real estate $34.3M · commercial $6.3M · consumer $6.8M · securities $49.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.91% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 62.9% | 73th |
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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