| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.9% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 1.86% | 1.24% | +0.6 pts |
| ROE | 14.8% | 11.9% | +3.0 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.2M | $246.8M | $228.7M | $37.8M | $2.7M | 1.86% | 4.72% | 0.74% |
| Q1 2026 | $296.6M | $251.5M | $219.5M | $36.7M | $1.3M | 1.79% | 4.60% | 0.75% |
| Q4 2025 | $284.6M | $239.9M | $231.3M | $35.5M | $5.2M | 1.87% | 4.82% | 0.82% |
| Q3 2025 | $279.0M | $235.2M | $236.0M | $34.2M | $3.8M | 1.82% | 4.82% | 1.54% |
| Q2 2025 | $277.8M | $235.3M | $227.4M | $33.4M | $2.6M | 1.90% | 4.73% | 1.62% |
| Q1 2025 | $277.1M | $235.7M | $220.9M | $32.3M | $1.1M | 1.62% | 4.49% | 1.62% |
| Q4 2024 | $271.2M | $219.6M | $226.7M | $31.1M | $3.9M | 1.49% | 4.48% | 1.66% |
| Q3 2024 | $265.1M | $214.8M | $219.4M | $31.7M | $2.7M | 1.38% | 4.42% | 0.00% |
Loan mix (Q2 2026): real estate $146.5M · commercial $21.8M · consumer $3.6M · securities $24.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.86% | 1.24% | 83th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.5% | 62.9% | 46th |
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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