| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +8.4% | +4.0% | +4.5 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 15.8% | 11.9% | +4.0 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $375.6M | $328.3M | $168.3M | $21.7M | $1.7M | 0.94% | 3.38% | 0.14% |
| Q1 2026 | $372.2M | $314.9M | $158.0M | $22.2M | $841K | 0.92% | 3.15% | 0.01% |
| Q4 2025 | $362.0M | $308.0M | $158.1M | $22.0M | $2.2M | 0.62% | 2.82% | 0.01% |
| Q3 2025 | $357.2M | $301.7M | $161.1M | $21.2M | $1.6M | 0.61% | 2.69% | 0.00% |
| Q2 2025 | $348.2M | $302.8M | $160.6M | $18.7M | $2.8M | 1.63% | 2.57% | 0.06% |
| Q1 2025 | $349.5M | $303.2M | $153.2M | $18.9M | $5.0M | 5.81% | 2.34% | 0.06% |
| Q4 2024 | $338.3M | $292.6M | $156.6M | $12.0M | $508K | 0.15% | 2.25% | 0.01% |
| Q3 2024 | $338.9M | $289.3M | $152.4M | $14.4M | $427K | 0.17% | 2.22% | 0.01% |
Loan mix (Q2 2026): real estate $133.3M · commercial $18.6M · consumer $11.4M · securities $134.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 11.9% | 73th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.0% | 62.9% | 74th |
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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