| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.4% | -3.4 pts |
| Deposit growth (YoY) | -4.3% | +4.0% | -8.2 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 1.07% | 1.24% | -0.2 pts |
| ROE | 11.6% | 11.9% | -0.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $151.9M | $129.9M | $97.7M | $14.1M | $804K | 1.07% | 4.56% | 1.01% |
| Q1 2026 | $146.2M | $128.7M | $90.7M | $13.4M | $378K | 1.02% | 4.44% | 1.09% |
| Q4 2025 | $151.3M | $136.2M | $93.1M | $14.2M | $1.2M | 0.80% | 4.25% | 1.26% |
| Q3 2025 | $153.5M | $139.0M | $88.3M | $13.4M | $844K | 0.74% | 4.13% | 1.16% |
| Q2 2025 | $150.5M | $135.7M | $90.0M | $12.6M | $437K | 0.58% | 4.05% | 1.21% |
| Q1 2025 | $147.0M | $132.9M | $86.2M | $11.9M | $270K | 0.72% | 4.02% | 1.29% |
| Q4 2024 | $154.0M | $140.9M | $86.1M | $12.0M | $1.6M | 1.00% | 4.04% | 1.33% |
| Q3 2024 | $161.7M | $144.8M | $87.0M | $12.5M | $1.2M | 1.00% | 4.01% | 1.07% |
Loan mix (Q2 2026): real estate $61.8M · commercial $30.6M · consumer $6.1M · securities $40.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 11.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.56% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.2% | 62.9% | 64th |
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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