| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +3.0% | +1.5 pts |
| Deposit growth (YoY) | +3.9% | +2.5% | +1.4 pts |
| Loan growth (YoY) | +10.4% | +2.6% | +7.8 pts |
| ROA | 0.95% | 0.99% | -0.0 pts |
| ROE | 13.8% | 8.1% | +5.7 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.5M | $35.6M | $22.8M | $2.7M | $182K | 0.95% | 4.55% | 0.00% |
| Q1 2026 | $40.1M | $37.3M | $21.6M | $2.6M | $87K | 0.91% | 4.42% | 0.00% |
| Q4 2025 | $36.0M | $33.2M | $23.0M | $2.6M | $204K | 0.56% | 4.22% | 0.00% |
| Q3 2025 | $36.9M | $34.1M | $20.9M | $2.6M | $225K | 0.82% | 4.11% | 0.00% |
| Q2 2025 | $36.8M | $34.3M | $20.7M | $2.4M | $154K | 0.85% | 4.03% | 0.00% |
| Q1 2025 | $36.7M | $34.3M | $19.5M | $2.3M | $59K | 0.66% | 3.95% | 0.15% |
| Q4 2024 | $35.3M | $33.2M | $22.6M | $2.1M | $195K | 0.54% | 3.98% | 0.00% |
| Q3 2024 | $36.2M | $33.7M | $22.5M | $2.3M | $196K | 0.72% | 3.90% | 0.00% |
Loan mix (Q2 2026): real estate $7.7M · commercial $3.2M · consumer $828K · securities $10.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.99% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 8.1% | 80th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.2% | 70.8% | 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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