| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | +5.8% | +5.6% | +0.2 pts |
| ROA | 2.18% | 1.24% | +0.9 pts |
| ROE | 19.9% | 11.9% | +8.0 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $134.4M | $118.4M | $98.3M | $15.0M | $1.4M | 2.18% | 3.64% | 0.02% |
| Q1 2026 | $133.1M | $117.4M | $96.1M | $14.6M | $715K | 2.16% | 3.62% | 0.01% |
| Q4 2025 | $131.2M | $115.9M | $97.7M | $14.3M | $2.1M | 1.65% | 3.47% | 0.00% |
| Q3 2025 | $131.5M | $116.3M | $93.1M | $14.2M | $1.9M | 1.96% | 3.44% | 0.01% |
| Q2 2025 | $126.2M | $111.5M | $92.9M | $13.7M | $1.2M | 1.89% | 3.38% | 0.01% |
| Q1 2025 | $126.5M | $112.1M | $91.8M | $13.4M | $596K | 1.89% | 3.30% | 0.00% |
| Q4 2024 | $125.2M | $110.9M | $95.3M | $13.2M | $1.7M | 1.44% | 3.48% | 0.00% |
| Q3 2024 | $117.0M | $102.6M | $89.6M | $13.4M | $1.6M | 1.90% | 3.48% | 0.00% |
Loan mix (Q2 2026): real estate $58.4M · commercial $10.9M · consumer $5.7M · securities $2.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.18% | 1.24% | 91th | |
Return on equity Annualized net income ÷ equity or net worth | 19.9% | 11.9% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 37.2% | 62.9% | 2th |
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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