| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.6 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 3.10% | 1.24% | +1.9 pts |
| ROE | 26.6% | 11.9% | +14.8 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.0M | $190.5M | $198.4M | $27.7M | $3.6M | 3.10% | 5.46% | 0.73% |
| Q1 2026 | $231.4M | $189.3M | $191.6M | $26.8M | $1.8M | 3.13% | 5.41% | 0.67% |
| Q4 2025 | $227.4M | $185.2M | $193.7M | $26.0M | $6.1M | 2.68% | 5.53% | 0.46% |
| Q3 2025 | $225.8M | $189.8M | $188.7M | $26.0M | $4.7M | 2.77% | 5.44% | 0.59% |
| Q2 2025 | $225.3M | $187.9M | $181.8M | $25.5M | $3.2M | 2.87% | 5.31% | 0.50% |
| Q1 2025 | $229.4M | $188.6M | $179.0M | $24.7M | $1.6M | 2.83% | 5.27% | 0.37% |
| Q4 2024 | $221.7M | $181.5M | $176.2M | $24.0M | $5.1M | 2.37% | 5.05% | 0.76% |
| Q3 2024 | $214.2M | $174.0M | $173.9M | $23.8M | $3.8M | 2.38% | 5.02% | 0.47% |
Loan mix (Q2 2026): real estate $191.9M · commercial $5.4M · consumer $3.1M · securities $13.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.10% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 26.6% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.9% | 62.9% | 4th |
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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