| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +15.2% | +5.6% | +9.6 pts |
| ROA | 1.34% | 1.24% | +0.1 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.5M | $131.3M | $105.7M | $15.1M | $977K | 1.34% | 3.98% | 0.01% |
| Q1 2026 | $145.0M | $128.2M | $101.0M | $14.7M | $512K | 1.42% | 3.93% | 0.07% |
| Q4 2025 | $143.0M | $124.6M | $95.9M | $14.5M | $1.7M | 1.21% | 3.80% | 0.07% |
| Q3 2025 | $139.4M | $123.3M | $94.1M | $14.5M | $1.2M | 1.18% | 3.74% | 0.11% |
| Q2 2025 | $141.2M | $126.0M | $91.8M | $14.3M | $794K | 1.13% | 3.63% | 0.19% |
| Q1 2025 | $141.3M | $126.3M | $91.9M | $13.8M | $408K | 1.16% | 3.52% | 0.19% |
| Q4 2024 | $139.5M | $125.3M | $89.0M | $13.2M | $1.2M | 0.92% | 3.19% | 0.22% |
| Q3 2024 | $133.6M | $119.5M | $86.8M | $13.2M | $888K | 0.88% | 3.12% | 0.01% |
Loan mix (Q2 2026): real estate $64.4M · commercial $5.8M · consumer $4.9M · securities $31.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.34% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.3% | 62.9% | 23th |
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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