| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | +7.0% | +4.0% | +3.0 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 1.97% | 1.24% | +0.7 pts |
| ROE | 20.9% | 11.9% | +9.0 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $124.2M | $81.0M | $109.2M | $12.2M | $1.2M | 1.97% | 3.55% | 0.26% |
| Q1 2026 | $125.5M | $78.1M | $111.8M | $11.9M | $668K | 2.12% | 3.56% | 0.15% |
| Q4 2025 | $126.1M | $84.5M | $111.5M | $11.3M | $1.9M | 1.55% | 3.34% | 0.16% |
| Q3 2025 | $124.5M | $83.2M | $109.4M | $12.1M | $1.5M | 1.60% | 3.31% | 0.15% |
| Q2 2025 | $124.0M | $75.7M | $110.5M | $11.4M | $969K | 1.55% | 3.28% | 0.43% |
| Q1 2025 | $124.0M | $83.7M | $109.7M | $11.3M | $519K | 1.65% | 3.16% | 0.18% |
| Q4 2024 | $128.1M | $77.2M | $112.4M | $10.8M | $1.6M | 1.28% | 3.09% | 0.39% |
| Q3 2024 | $121.9M | $76.0M | $107.7M | $11.7M | $1.3M | 1.41% | 3.11% | 0.66% |
Loan mix (Q2 2026): real estate $81.7M · commercial $3.1M · consumer $2.1M · securities $8.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 40.3% | 62.9% | 4th |
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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