| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.2 pts |
| Loan growth (YoY) | +14.8% | +5.6% | +9.3 pts |
| ROA | 1.18% | 1.24% | -0.1 pts |
| ROE | 7.0% | 11.9% | -4.9 pts |
ROA ranks in the 47th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $360.7M | $292.8M | $210.4M | $61.5M | $2.1M | 1.18% | 3.32% | 0.08% |
| Q1 2026 | $358.5M | $289.8M | $201.2M | $60.4M | $811K | 0.92% | 3.21% | 0.08% |
| Q4 2025 | $349.8M | $281.7M | $198.0M | $59.6M | $3.2M | 0.93% | 3.21% | 0.10% |
| Q3 2025 | $347.8M | $281.0M | $190.0M | $57.8M | $2.2M | 0.86% | 3.16% | 0.14% |
| Q2 2025 | $337.2M | $275.7M | $183.2M | $54.5M | $1.3M | 0.79% | 3.13% | 0.16% |
| Q1 2025 | $334.8M | $272.2M | $179.6M | $54.1M | $710K | 0.86% | 3.00% | 0.16% |
| Q4 2024 | $327.6M | $263.9M | $173.7M | $52.6M | $3.1M | 0.96% | 3.03% | 0.17% |
| Q3 2024 | $325.2M | $260.6M | $167.1M | $54.6M | $2.2M | 0.90% | 3.01% | 0.17% |
Loan mix (Q2 2026): real estate $211.4M · commercial $1.8M · consumer $533K · securities $118.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 1.24% | 47th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 11.9% | 22th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.32% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.3% | 62.9% | 21th |
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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