| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.7% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +3.3% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.5 pts |
| ROA | 3.02% | 1.24% | +1.8 pts |
| ROE | 24.3% | 11.9% | +12.4 pts |
ROA ranks in the 98th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.8M | $127.7M | $113.2M | $18.7M | $2.2M | 3.02% | 4.99% | 1.70% |
| Q1 2026 | $145.0M | $126.7M | $116.3M | $17.9M | $1.1M | 2.95% | 4.92% | 1.97% |
| Q4 2025 | $141.8M | $124.0M | $116.6M | $17.3M | $4.0M | 2.86% | 4.79% | 2.31% |
| Q3 2025 | $140.6M | $123.3M | $110.1M | $16.9M | $3.0M | 2.88% | 4.77% | 2.31% |
| Q2 2025 | $140.3M | $123.6M | $108.8M | $16.2M | $2.0M | 2.84% | 4.66% | 2.57% |
| Q1 2025 | $140.7M | $124.7M | $107.1M | $15.6M | $977K | 2.86% | 4.49% | 2.91% |
| Q4 2024 | $132.9M | $117.4M | $107.1M | $15.0M | $3.2M | 2.55% | 4.49% | 2.40% |
| Q3 2024 | $129.7M | $114.7M | $104.2M | $14.5M | $2.3M | 2.42% | 4.40% | 4.83% |
Loan mix (Q2 2026): real estate $92.1M · commercial $8.9M · consumer $7.0M · securities $13.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.02% | 1.24% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 24.3% | 11.9% | 95th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 62.9% | 6th |
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% |
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