| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +4.4% | +2.4 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.0 pts |
| Loan growth (YoY) | +10.9% | +5.6% | +5.3 pts |
| ROA | 0.97% | 1.24% | -0.3 pts |
| ROE | 11.7% | 11.9% | -0.2 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.6M | $359.1M | $161.8M | $34.5M | $1.9M | 0.97% | 2.28% | 0.07% |
| Q1 2026 | $407.5M | $372.8M | $159.7M | $32.8M | $951K | 0.95% | 2.27% | 0.06% |
| Q4 2025 | $396.2M | $361.9M | $149.3M | $32.7M | $2.7M | 0.70% | 2.06% | 0.01% |
| Q3 2025 | $385.5M | $351.3M | $148.3M | $32.3M | $2.1M | 0.74% | 2.05% | 0.02% |
| Q2 2025 | $370.4M | $338.9M | $145.9M | $29.7M | $1.4M | 0.74% | 2.02% | 0.02% |
| Q1 2025 | $371.5M | $340.8M | $145.3M | $29.1M | $730K | 0.77% | 2.04% | 0.02% |
| Q4 2024 | $382.5M | $353.6M | $143.6M | $27.4M | $2.5M | 0.64% | 1.84% | 0.01% |
| Q3 2024 | $380.5M | $347.9M | $139.8M | $30.8M | $1.8M | 0.62% | 1.81% | 0.01% |
Loan mix (Q2 2026): real estate $117.4M · commercial $3.2M · consumer $5.1M · securities $137.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 11.7% | 11.9% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
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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