| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 1.11% | 1.24% | -0.1 pts |
| ROE | 9.9% | 11.9% | -1.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $395.3M | $336.5M | $178.7M | $45.2M | $2.2M | 1.11% | 3.29% | 0.04% |
| Q1 2026 | $402.9M | $345.3M | $176.9M | $44.1M | $1.2M | 1.21% | 3.22% | 0.03% |
| Q4 2025 | $395.6M | $337.8M | $173.9M | $43.8M | $4.1M | 1.07% | 3.18% | 0.03% |
| Q3 2025 | $386.7M | $330.8M | $169.8M | $42.4M | $3.3M | 1.17% | 3.13% | 0.03% |
| Q2 2025 | $381.5M | $325.5M | $169.6M | $42.6M | $2.3M | 1.19% | 3.06% | 0.03% |
| Q1 2025 | $376.1M | $322.4M | $166.3M | $40.3M | $878K | 0.93% | 2.98% | 0.16% |
| Q4 2024 | $377.4M | $325.7M | $160.1M | $38.2M | $3.1M | 0.85% | 2.94% | 0.06% |
| Q3 2024 | $367.6M | $314.2M | $152.5M | $40.3M | $2.3M | 0.84% | 2.92% | 0.04% |
Loan mix (Q2 2026): real estate $139.4M · commercial $29.1M · consumer $6.7M · securities $158.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.4% | 62.9% | 37th |
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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