| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.2 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.8 pts |
| Loan growth (YoY) | +13.9% | +5.6% | +8.3 pts |
| ROA | 0.94% | 1.24% | -0.3 pts |
| ROE | 16.6% | 11.9% | +4.8 pts |
ROA ranks in the 32nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.5M | $106.7M | $56.0M | $6.3M | $529K | 0.94% | 3.97% | 1.12% |
| Q1 2026 | $109.8M | $102.2M | $53.5M | $6.2M | $237K | 0.85% | 3.98% | 1.16% |
| Q4 2025 | $112.6M | $104.5M | $52.7M | $6.6M | $1.1M | 1.00% | 4.06% | 1.68% |
| Q3 2025 | $112.4M | $104.8M | $51.2M | $6.1M | $900K | 1.08% | 4.10% | 1.08% |
| Q2 2025 | $112.1M | $103.4M | $49.2M | $7.1M | $557K | 1.00% | 4.06% | 0.52% |
| Q1 2025 | $110.7M | $102.5M | $49.4M | $6.6M | $304K | 1.10% | 4.07% | 0.52% |
| Q4 2024 | $110.4M | $103.3M | $45.6M | $5.6M | $1.1M | 0.99% | 3.87% | 0.53% |
| Q3 2024 | $111.1M | $102.2M | $44.2M | $7.2M | $820K | 1.01% | 3.83% | 0.67% |
Loan mix (Q2 2026): real estate $42.6M · commercial $12.1M · consumer $1.9M · securities $42.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.94% | 1.24% | 32th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.5% | 62.9% | 79th |
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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