| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +3.4% | +5.6% | -2.2 pts |
| ROA | 1.02% | 1.24% | -0.2 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.4M | $348.8M | $294.2M | $43.7M | $2.0M | 1.02% | 4.26% | 0.31% |
| Q1 2026 | $380.0M | $334.4M | $285.4M | $42.6M | $1.0M | 1.09% | 4.24% | 0.34% |
| Q4 2025 | $384.3M | $339.2M | $287.7M | $42.3M | $4.1M | 1.09% | 4.34% | 0.39% |
| Q3 2025 | $388.7M | $342.1M | $288.5M | $40.9M | $3.0M | 1.07% | 4.28% | 0.26% |
| Q2 2025 | $376.8M | $332.6M | $284.5M | $38.8M | $1.8M | 0.97% | 4.22% | 0.27% |
| Q1 2025 | $374.7M | $330.9M | $269.4M | $38.3M | $873K | 0.94% | 4.15% | 0.24% |
| Q4 2024 | $369.4M | $325.9M | $272.6M | $37.8M | $3.6M | 0.99% | 4.15% | 0.25% |
| Q3 2024 | $371.7M | $328.0M | $264.4M | $38.4M | $3.0M | 1.07% | 4.11% | 0.23% |
Loan mix (Q2 2026): real estate $256.5M · commercial $10.6M · consumer $8.6M · securities $55.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.02% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.2% | 62.9% | 79th |
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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