| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.9% | +4.4% | +7.5 pts |
| Deposit growth (YoY) | +11.5% | +4.0% | +7.6 pts |
| Loan growth (YoY) | +12.5% | +5.6% | +6.9 pts |
| ROA | 1.17% | 1.24% | -0.1 pts |
| ROE | 16.5% | 11.9% | +4.7 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $183.8M | $164.0M | $152.0M | $13.0M | $1.0M | 1.17% | 4.22% | 0.00% |
| Q1 2026 | $175.9M | $156.4M | $138.7M | $12.4M | $517K | 1.19% | 4.14% | 0.07% |
| Q4 2025 | $170.6M | $152.7M | $139.0M | $12.3M | $1.8M | 1.08% | 4.19% | 0.07% |
| Q3 2025 | $164.9M | $147.4M | $141.9M | $11.9M | $1.4M | 1.17% | 4.14% | 0.07% |
| Q2 2025 | $164.2M | $147.1M | $135.1M | $11.8M | $849K | 1.05% | 4.08% | 0.00% |
| Q1 2025 | $164.6M | $146.6M | $130.1M | $11.7M | $375K | 0.93% | 3.96% | 0.00% |
| Q4 2024 | $157.7M | $140.0M | $130.9M | $11.5M | $1.5M | 0.93% | 3.89% | 0.00% |
| Q3 2024 | $168.7M | $150.2M | $132.3M | $11.3M | $1.2M | 0.98% | 3.81% | 0.02% |
Loan mix (Q2 2026): real estate $137.9M · commercial $5.2M · consumer $9.8M · securities $9.5M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.5% | 62.9% | 76th |
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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