| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.2% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +5.5% | +5.6% | -0.1 pts |
| ROA | 1.53% | 1.24% | +0.3 pts |
| ROE | 16.1% | 11.9% | +4.2 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $144.6M | $130.3M | $91.5M | $14.0M | $1.1M | 1.53% | 5.01% | 0.00% |
| Q1 2026 | $144.1M | $131.0M | $88.4M | $12.8M | $594K | 1.66% | 4.93% | 0.04% |
| Q4 2025 | $141.9M | $127.5M | $91.0M | $14.2M | $2.6M | 1.86% | 5.11% | 0.04% |
| Q3 2025 | $143.9M | $130.4M | $88.9M | $13.0M | $2.0M | 1.96% | 5.07% | 0.52% |
| Q2 2025 | $134.9M | $123.3M | $86.8M | $11.2M | $1.3M | 2.00% | 5.02% | 0.50% |
| Q1 2025 | $137.4M | $123.8M | $82.8M | $10.3M | $606K | 1.81% | 4.96% | 0.36% |
| Q4 2024 | $130.8M | $117.3M | $81.7M | $10.5M | $2.7M | 2.03% | 4.73% | 0.15% |
| Q3 2024 | $133.2M | $119.6M | $76.8M | $11.6M | $2.0M | 2.04% | 4.67% | 0.01% |
Loan mix (Q2 2026): real estate $65.7M · commercial $12.0M · consumer $10.3M · securities $43.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 16.1% | 11.9% | 74th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
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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