| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.9% | +4.9% | -2.0 pts |
| Deposit growth (YoY) | +2.0% | +4.3% | -2.3 pts |
| Loan growth (YoY) | +10.7% | +5.3% | +5.4 pts |
| ROA | 1.55% | 1.28% | +0.3 pts |
| ROE | 18.3% | 12.4% | +5.9 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 | $583.8M | $529.3M | $393.1M | $50.2M | $4.5M | 1.55% | 4.55% | 0.03% |
| Q1 2026 | $581.2M | $527.5M | $379.9M | $49.3M | $2.2M | 1.48% | 4.41% | 0.03% |
| Q4 2025 | $584.8M | $530.5M | $368.4M | $49.3M | $8.9M | 1.57% | 4.40% | 0.04% |
| Q3 2025 | $583.6M | $531.3M | $361.0M | $48.0M | $6.4M | 1.51% | 4.37% | 0.00% |
| Q2 2025 | $567.1M | $518.7M | $355.0M | $44.3M | $4.4M | 1.57% | 4.36% | 0.03% |
| Q1 2025 | $559.1M | $511.1M | $348.7M | $43.7M | $2.0M | 1.44% | 4.29% | 0.03% |
| Q4 2024 | $537.9M | $492.3M | $352.3M | $41.2M | $7.7M | 1.44% | 4.25% | 0.04% |
| Q3 2024 | $530.9M | $481.2M | $351.2M | $45.4M | $5.8M | 1.46% | 4.20% | 0.04% |
Loan mix (Q2 2026): real estate $337.4M · commercial $39.2M · consumer $13.2M · securities $132.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.28% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 18.3% | 12.4% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.55% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 61.2% | 80th |
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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