| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +3.0% | -4.7 pts |
| Deposit growth (YoY) | -2.8% | +2.5% | -5.3 pts |
| Loan growth (YoY) | +12.6% | +2.6% | +10.0 pts |
| ROA | 1.60% | 0.99% | +0.6 pts |
| ROE | 16.7% | 8.1% | +8.6 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.7M | $73.8M | $47.2M | $7.7M | $639K | 1.60% | 3.97% | 0.93% |
| Q1 2026 | $78.9M | $71.2M | $45.5M | $7.6M | $325K | 1.64% | 4.01% | 1.43% |
| Q4 2025 | $79.7M | $71.8M | $44.0M | $7.6M | $853K | 1.01% | 3.30% | 1.45% |
| Q3 2025 | $81.4M | $73.9M | $43.5M | $7.3M | $684K | 1.07% | 3.29% | 0.46% |
| Q2 2025 | $83.1M | $75.9M | $41.9M | $7.0M | $463K | 1.06% | 3.27% | 0.54% |
| Q1 2025 | $88.5M | $81.5M | $44.3M | $6.8M | $254K | 1.14% | 3.21% | 0.18% |
| Q4 2024 | $89.3M | $82.4M | $42.7M | $6.6M | $708K | 0.80% | 2.76% | 0.43% |
| Q3 2024 | $86.3M | $79.5M | $43.3M | $6.5M | $512K | 0.77% | 2.66% | 0.47% |
Loan mix (Q2 2026): real estate $40.8M · commercial $1.8M · consumer $3.5M · securities $22.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.60% | 0.99% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 16.7% | 8.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.0% | 70.8% | 30th |
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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