| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +3.2% | +4.0% | -0.7 pts |
| Loan growth (YoY) | +8.1% | +5.6% | +2.6 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 14.9% | 11.9% | +3.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.6M | $243.4M | $230.6M | $23.7M | $1.7M | 1.32% | 5.02% | 0.00% |
| Q1 2026 | $261.2M | $233.9M | $224.7M | $23.5M | $898K | 1.38% | 5.01% | 0.00% |
| Q4 2025 | $260.1M | $236.2M | $223.0M | $22.6M | $2.9M | 1.12% | 4.72% | 0.07% |
| Q3 2025 | $264.5M | $237.5M | $220.8M | $22.0M | $2.2M | 1.12% | 4.63% | 0.07% |
| Q2 2025 | $258.0M | $235.8M | $213.2M | $20.9M | $1.5M | 1.17% | 4.60% | 0.07% |
| Q1 2025 | $256.4M | $234.6M | $210.7M | $20.3M | $741K | 1.16% | 4.54% | 0.07% |
| Q4 2024 | $256.3M | $235.8M | $205.9M | $19.3M | $2.5M | 1.01% | 4.21% | 0.00% |
| Q3 2024 | $257.3M | $237.0M | $202.0M | $18.8M | $1.6M | 0.88% | 4.04% | 0.00% |
Loan mix (Q2 2026): real estate $182.7M · commercial $35.7M · consumer $12.6M · securities $21.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.4% | 62.9% | 45th |
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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