| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.7% | +3.0% | +4.7 pts |
| Deposit growth (YoY) | +5.9% | +2.5% | +3.4 pts |
| Loan growth (YoY) | +12.6% | +2.6% | +10.0 pts |
| ROA | 0.56% | 0.99% | -0.4 pts |
| ROE | 5.2% | 8.1% | -2.8 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 | $81.3M | $69.0M | $35.0M | $8.7M | $226K | 0.56% | 3.58% | 0.43% |
| Q1 2026 | $83.0M | $70.6M | $34.1M | $8.7M | $128K | 0.64% | 3.57% | 0.60% |
| Q4 2025 | $76.3M | $65.5M | $34.7M | $8.6M | $320K | 0.43% | 3.45% | 0.46% |
| Q3 2025 | $75.6M | $64.7M | $32.8M | $8.6M | $279K | 0.50% | 3.38% | 0.29% |
| Q2 2025 | $75.5M | $65.1M | $31.1M | $8.2M | $200K | 0.54% | 3.34% | 0.25% |
| Q1 2025 | $73.9M | $63.9M | $31.2M | $8.0M | $98K | 0.53% | 3.33% | 0.14% |
| Q4 2024 | $72.8M | $63.3M | $32.9M | $7.5M | $232K | 0.33% | 3.21% | 0.04% |
| Q3 2024 | $71.8M | $61.9M | $29.7M | $7.9M | $124K | 0.24% | 3.12% | 0.28% |
Loan mix (Q2 2026): real estate $17.9M · commercial $10.8M · consumer $2.2M · securities $33.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.99% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 5.2% | 8.1% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.3% | 70.8% | 60th |
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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