| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +4.3% | +4.0% | +0.4 pts |
| Loan growth (YoY) | +7.0% | +5.6% | +1.4 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 6.8% | 11.9% | -5.1 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $390.2M | $317.9M | $281.2M | $66.7M | $2.2M | 1.13% | 4.54% | 0.11% |
| Q1 2026 | $395.5M | $324.1M | $278.6M | $65.9M | $1.1M | 1.11% | 4.43% | 0.13% |
| Q4 2025 | $393.1M | $323.5M | $278.1M | $64.8M | $4.4M | 1.15% | 4.52% | 0.13% |
| Q3 2025 | $379.3M | $304.8M | $270.7M | $63.3M | $3.1M | 1.11% | 4.54% | 0.15% |
| Q2 2025 | $373.0M | $304.7M | $262.9M | $60.6M | $2.0M | 1.08% | 4.50% | 0.18% |
| Q1 2025 | $378.8M | $313.2M | $259.8M | $59.6M | $1.0M | 1.08% | 4.44% | 0.26% |
| Q4 2024 | $379.3M | $316.4M | $260.3M | $57.4M | $3.9M | 1.04% | 4.40% | 0.24% |
| Q3 2024 | $379.0M | $314.5M | $257.7M | $58.7M | $2.9M | 1.00% | 4.35% | 0.30% |
Loan mix (Q2 2026): real estate $269.4M · commercial $4.9M · consumer $3.7M · securities $69.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 11.9% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 69.4% | 62.9% | 67th |
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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