| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.4 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 10.7% | 11.9% | -1.1 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.9M | $109.5M | $80.4M | $12.9M | $677K | 1.10% | 4.69% | 1.34% |
| Q1 2026 | $124.0M | $111.0M | $83.5M | $12.6M | $365K | 1.19% | 4.61% | 1.20% |
| Q4 2025 | $121.3M | $108.5M | $82.0M | $12.4M | $1.3M | 1.08% | 4.60% | 1.27% |
| Q3 2025 | $120.1M | $106.3M | $83.2M | $13.1M | $961K | 1.09% | 4.53% | 1.18% |
| Q2 2025 | $117.4M | $104.1M | $82.9M | $12.7M | $592K | 1.02% | 4.49% | 1.29% |
| Q1 2025 | $117.6M | $104.8M | $84.4M | $12.4M | $297K | 1.03% | 4.47% | 1.41% |
| Q4 2024 | $113.1M | $100.7M | $85.0M | $12.1M | $1.3M | 1.16% | 4.63% | 0.32% |
| Q3 2024 | $110.4M | $96.8M | $85.2M | $13.0M | $961K | 1.14% | 4.63% | 1.02% |
Loan mix (Q2 2026): real estate $74.6M · commercial $2.5M · consumer $4.0M · securities $15.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 10.7% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 62.9% | 81th |
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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