| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +4.7% | +5.6% | -0.9 pts |
| ROA | 2.37% | 1.24% | +1.1 pts |
| ROE | 22.1% | 11.9% | +10.2 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.5M | $206.1M | $177.0M | $25.1M | $2.8M | 2.37% | 4.52% | 0.10% |
| Q1 2026 | $235.4M | $209.7M | $174.7M | $24.5M | $1.4M | 2.33% | 4.34% | 0.10% |
| Q4 2025 | $232.1M | $205.8M | $172.4M | $25.5M | $4.8M | 2.10% | 4.35% | 0.10% |
| Q3 2025 | $234.1M | $208.3M | $168.2M | $24.1M | $3.7M | 2.19% | 4.29% | 0.10% |
| Q2 2025 | $225.7M | $201.0M | $169.1M | $23.3M | $2.5M | 2.19% | 4.27% | 0.13% |
| Q1 2025 | $229.4M | $205.5M | $166.7M | $22.6M | $1.3M | 2.36% | 4.12% | 0.25% |
| Q4 2024 | $219.7M | $195.6M | $167.8M | $23.2M | $4.2M | 2.00% | 4.30% | 0.18% |
| Q3 2024 | $216.0M | $192.1M | $165.7M | $22.5M | $3.4M | 2.17% | 4.33% | 0.14% |
Loan mix (Q2 2026): real estate $165.5M · commercial $11.1M · consumer $2.8M · securities $25.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.37% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.52% | 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 |
|---|---|---|---|---|
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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