| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +4.4% | +3.8 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +17.1% | +5.6% | +11.5 pts |
| ROA | 0.69% | 1.24% | -0.5 pts |
| ROE | 6.1% | 11.9% | -5.7 pts |
ROA ranks in the 20th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $177.5M | $147.8M | $141.1M | $19.5M | $607K | 0.69% | 3.85% | 5.66% |
| Q1 2026 | $177.4M | $147.4M | $138.6M | $19.9M | $399K | 0.91% | 3.99% | 4.03% |
| Q4 2025 | $172.6M | $141.2M | $132.5M | $19.9M | $1.9M | 1.11% | 3.97% | 1.16% |
| Q3 2025 | $166.3M | $140.5M | $123.2M | $19.4M | $854K | 0.67% | 3.94% | 1.45% |
| Q2 2025 | $164.1M | $141.3M | $120.5M | $18.8M | $334K | 0.39% | 3.70% | 1.54% |
| Q1 2025 | $171.1M | $148.8M | $121.1M | $18.4M | $123K | 0.28% | 3.55% | 1.23% |
| Q4 2024 | $176.1M | $139.3M | $126.3M | $17.9M | $2.3M | 1.33% | 4.44% | 1.31% |
| Q3 2024 | $175.9M | $138.5M | $129.0M | $18.4M | $1.8M | 1.39% | 4.65% | 0.80% |
Loan mix (Q2 2026): real estate $107.8M · commercial $28.9M · consumer $6.8M · securities $22.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.69% | 1.24% | 20th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.9% | 62.9% | 87th |
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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