| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +13.1% | +4.4% | +8.7 pts |
| Deposit growth (YoY) | +13.0% | +4.0% | +9.0 pts |
| Loan growth (YoY) | +15.8% | +5.6% | +10.3 pts |
| ROA | 0.88% | 1.24% | -0.4 pts |
| ROE | 13.2% | 11.9% | +1.3 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.4M | $215.1M | $179.1M | $15.4M | $981K | 0.88% | 3.10% | 0.31% |
| Q1 2026 | $222.2M | $205.5M | $172.4M | $14.8M | $469K | 0.86% | 3.06% | 0.36% |
| Q4 2025 | $216.4M | $200.1M | $164.9M | $14.5M | $1.1M | 0.57% | 3.03% | 0.46% |
| Q3 2025 | $213.0M | $197.3M | $160.2M | $13.6M | $951K | 0.64% | 3.00% | 0.40% |
| Q2 2025 | $205.5M | $190.4M | $154.6M | $12.9M | $600K | 0.62% | 2.97% | 0.37% |
| Q1 2025 | $195.5M | $180.7M | $150.2M | $12.7M | $307K | 0.65% | 2.93% | 0.51% |
| Q4 2024 | $182.5M | $168.2M | $144.7M | $12.3M | $1.2M | 0.72% | 3.23% | 0.49% |
| Q3 2024 | $174.5M | $160.5M | $141.5M | $13.0M | $839K | 0.68% | 3.28% | 0.51% |
Loan mix (Q2 2026): real estate $177.3M · commercial $2.9M · consumer $1.2M · securities $20.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.88% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 11.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 62.9% | 49th |
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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