| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.1 pts |
| Loan growth (YoY) | -5.7% | +5.6% | -11.2 pts |
| ROA | 1.91% | 1.24% | +0.7 pts |
| ROE | 19.2% | 11.9% | +7.4 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $137.7M | $121.9M | $99.6M | $14.4M | $1.3M | 1.91% | 5.69% | 3.04% |
| Q1 2026 | $140.0M | $125.0M | $100.8M | $13.8M | $733K | 2.10% | 5.78% | 2.27% |
| Q4 2025 | $139.2M | $125.0M | $102.4M | $13.1M | $3.4M | 2.47% | 6.60% | 2.39% |
| Q3 2025 | $135.5M | $118.8M | $103.2M | $15.5M | $2.6M | 2.50% | 6.69% | 2.56% |
| Q2 2025 | $136.7M | $120.9M | $105.6M | $14.7M | $1.7M | 2.53% | 6.68% | 0.24% |
| Q1 2025 | $137.5M | $121.8M | $104.4M | $13.8M | $884K | 2.58% | 6.59% | 0.24% |
| Q4 2024 | $136.4M | $121.8M | $104.9M | $12.9M | $3.6M | 2.75% | 7.01% | 0.58% |
| Q3 2024 | $130.9M | $114.6M | $104.4M | $14.8M | $2.7M | 2.77% | 7.04% | 0.66% |
Loan mix (Q2 2026): real estate $93.5M · commercial $3.4M · consumer $1.6M · securities $12.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.91% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 19.2% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.69% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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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