| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.8% | +4.9% | -1.2 pts |
| Deposit growth (YoY) | +3.4% | +4.3% | -0.9 pts |
| Loan growth (YoY) | +8.3% | +5.3% | +3.0 pts |
| ROA | 1.78% | 1.28% | +0.5 pts |
| ROE | 13.2% | 12.4% | +0.7 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 | $510.6M | $389.2M | $436.6M | $69.3M | $4.5M | 1.78% | 5.24% | 1.11% |
| Q1 2026 | $518.8M | $396.0M | $410.7M | $70.1M | $2.3M | 1.78% | 5.17% | 1.00% |
| Q4 2025 | $503.4M | $368.3M | $403.3M | $67.8M | $8.1M | 1.63% | 5.09% | 1.25% |
| Q3 2025 | $488.7M | $370.6M | $418.3M | $65.3M | $5.7M | 1.53% | 5.03% | 1.29% |
| Q2 2025 | $492.2M | $376.4M | $403.1M | $63.2M | $3.5M | 1.41% | 4.89% | 1.56% |
| Q1 2025 | $499.9M | $373.0M | $403.1M | $64.3M | $1.7M | 1.33% | 4.71% | 1.18% |
| Q4 2024 | $495.0M | $369.7M | $394.5M | $62.7M | $6.5M | 1.33% | 4.56% | 1.18% |
| Q3 2024 | $497.8M | $373.6M | $394.2M | $60.5M | $4.4M | 1.20% | 4.46% | 1.16% |
Loan mix (Q2 2026): real estate $391.7M · commercial $51.1M · consumer $1.6M · securities $933K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 1.28% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 12.4% | 54th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.24% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.0% | 61.2% | 28th |
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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