| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.9% | +2.2 pts |
| Deposit growth (YoY) | +6.2% | +4.3% | +1.9 pts |
| Loan growth (YoY) | +5.8% | +5.3% | +0.5 pts |
| ROA | 2.20% | 1.28% | +0.9 pts |
| ROE | 22.6% | 12.4% | +10.2 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $516.5M | $460.0M | $402.9M | $53.9M | $5.7M | 2.20% | 3.79% | 0.25% |
| Q1 2026 | $518.0M | $465.8M | $398.8M | $49.2M | $992K | 0.77% | 3.68% | 0.34% |
| Q4 2025 | $517.6M | $464.3M | $393.1M | $48.3M | $2.5M | 0.52% | 3.54% | 0.03% |
| Q3 2025 | $484.3M | $431.9M | $374.7M | $47.1M | $1.5M | 0.42% | 3.45% | 0.19% |
| Q2 2025 | $482.1M | $433.0M | $380.8M | $45.9M | $649K | 0.27% | 3.40% | 0.11% |
| Q1 2025 | $482.2M | $433.5M | $372.6M | $45.5M | $560K | 0.46% | 3.26% | 0.18% |
| Q4 2024 | $493.2M | $445.6M | $363.5M | $44.6M | $1.4M | 0.28% | 3.03% | 0.24% |
| Q3 2024 | $476.6M | $428.0M | $363.0M | $45.3M | $1.5M | 0.41% | 2.99% | 0.27% |
Loan mix (Q2 2026): real estate $350.5M · commercial $19.8M · consumer $8.9M · securities $31.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.20% | 1.28% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 22.6% | 12.4% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.79% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.1% | 61.2% | 29th |
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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