| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +3.0% | +7.4 pts |
| Deposit growth (YoY) | +11.9% | +2.5% | +9.4 pts |
| Loan growth (YoY) | -2.4% | +2.6% | -5.0 pts |
| ROA | 1.36% | 0.99% | +0.4 pts |
| ROE | 10.3% | 8.1% | +2.2 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.0M | $75.0M | $45.8M | $10.9M | $563K | 1.36% | 4.08% | 1.34% |
| Q1 2026 | $82.9M | $72.1M | $49.3M | $10.6M | $275K | 1.36% | 4.10% | 1.41% |
| Q4 2025 | $78.7M | $67.5M | $48.7M | $11.2M | $881K | 1.13% | 4.27% | 1.32% |
| Q3 2025 | $79.4M | $68.1M | $48.6M | $11.0M | $678K | 1.16% | 4.28% | 2.31% |
| Q2 2025 | $77.9M | $67.0M | $47.0M | $10.7M | $493K | 1.27% | 4.24% | 1.48% |
| Q1 2025 | $78.9M | $68.3M | $45.7M | $10.4M | $278K | 1.43% | 4.02% | 1.20% |
| Q4 2024 | $76.1M | $65.0M | $43.9M | $11.0M | $1.0M | 1.31% | 4.33% | 1.22% |
| Q3 2024 | $77.2M | $66.1M | $44.4M | $10.9M | $763K | 1.30% | 4.31% | 1.04% |
Loan mix (Q2 2026): real estate $34.8M · commercial $3.4M · consumer $3.3M · securities $7.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 8.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.1% | 70.8% | 24th |
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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