| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +10.4% | +5.6% | +4.8 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 12.7% | 11.9% | +0.8 pts |
ROA ranks in the 39th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $370.6M | $337.1M | $229.1M | $31.6M | $2.0M | 1.07% | 4.14% | 0.00% |
| Q1 2026 | $372.1M | $338.9M | $226.5M | $31.5M | $933K | 1.00% | 4.06% | 0.02% |
| Q4 2025 | $377.1M | $344.1M | $221.7M | $31.5M | $4.1M | 1.10% | 4.09% | 0.04% |
| Q3 2025 | $367.2M | $334.3M | $214.4M | $30.2M | $3.1M | 1.13% | 4.02% | 0.02% |
| Q2 2025 | $366.9M | $335.3M | $207.6M | $29.4M | $2.1M | 1.13% | 4.00% | 0.02% |
| Q1 2025 | $375.2M | $344.6M | $206.1M | $28.7M | $981K | 1.06% | 3.87% | 0.02% |
| Q4 2024 | $367.5M | $338.4M | $198.9M | $27.4M | $4.0M | 1.12% | 4.04% | 0.02% |
| Q3 2024 | $361.9M | $331.8M | $196.2M | $27.2M | $2.9M | 1.09% | 4.00% | 0.02% |
Loan mix (Q2 2026): real estate $182.9M · commercial $27.3M · consumer $18.8M · securities $70.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.8% | 62.9% | 76th |
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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