| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.3% | +3.0% | +9.3 pts |
| Deposit growth (YoY) | +4.6% | +2.5% | +2.1 pts |
| Loan growth (YoY) | +9.2% | +2.6% | +6.6 pts |
| ROA | 1.17% | 0.99% | +0.2 pts |
| ROE | 7.2% | 8.1% | -0.9 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $46.3M | $24.5M | $37.1M | $7.3M | $260K | 1.17% | 4.00% | 0.00% |
| Q1 2026 | $43.6M | $24.2M | $36.5M | $7.2M | $71K | 0.65% | 3.74% | 0.00% |
| Q4 2025 | $43.9M | $24.7M | $35.0M | $7.1M | $383K | 0.92% | 3.69% | 0.00% |
| Q3 2025 | $43.0M | $23.9M | $34.6M | $7.0M | $292K | 0.95% | 3.58% | 0.00% |
| Q2 2025 | $41.2M | $23.5M | $34.0M | $6.9M | $222K | 1.10% | 3.56% | 0.00% |
| Q1 2025 | $39.3M | $22.9M | $32.0M | $6.8M | $73K | 0.73% | 3.49% | 0.00% |
| Q4 2024 | $40.1M | $22.3M | $30.8M | $6.7M | $214K | 0.55% | 3.34% | 0.00% |
| Q3 2024 | $39.5M | $21.7M | $31.1M | $6.7M | $187K | 0.65% | 3.28% | 0.00% |
Loan mix (Q2 2026): real estate $37.4M · commercial $129K · consumer $352K · securities $4.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 0.99% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 8.1% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 70.8% | 23rd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
1 branches in 1 county across 1 state (+0 vs 2025) · $24.5M branch deposits. Biggest market: Philadelphia, PA, ranked 49th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Philadelphia, PA | 1 | $24.5M | 0.03% | 49th |
Pennsylvania: 316th with 0.00% · Philadelphia-Camden-Wilmington metro: 129th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends about half what peers do on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).