| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.1 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 1.54% | 1.24% | +0.3 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $126.5M | $109.9M | $59.4M | $15.9M | $960K | 1.54% | 4.06% | 0.82% |
| Q1 2026 | $124.2M | $107.8M | $60.5M | $15.5M | $481K | 1.55% | 4.08% | 0.89% |
| Q4 2025 | $123.5M | $107.7M | $64.8M | $15.1M | $2.4M | 2.00% | 4.12% | 0.94% |
| Q3 2025 | $119.7M | $104.5M | $63.5M | $14.5M | $2.0M | 2.21% | 4.06% | 1.30% |
| Q2 2025 | $116.8M | $102.7M | $60.1M | $13.7M | $1.4M | 2.28% | 3.94% | 1.11% |
| Q1 2025 | $121.6M | $108.4M | $58.8M | $12.7M | $378K | 1.24% | 3.73% | 1.12% |
| Q4 2024 | $121.8M | $108.9M | $59.6M | $11.9M | $1.4M | 1.09% | 3.53% | 1.20% |
| Q3 2024 | $126.1M | $102.9M | $54.8M | $12.6M | $1.1M | 1.12% | 3.47% | 1.21% |
Loan mix (Q2 2026): real estate $46.1M · commercial $10.0M · consumer $2.7M · securities $47.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.54% | 1.24% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.3% | 62.9% | 54th |
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% |
The full ratio pack is part of CharterBench Pro.