| Metric | The Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.6% | +4.4% | +1.3 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.2 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 13.7% | 11.9% | +1.8 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $462.0M | $396.3M | $328.3M | $58.3M | $3.9M | 1.75% | 5.43% | 0.48% |
| Q1 2026 | $451.4M | $386.1M | $323.9M | $57.3M | $2.0M | 1.83% | 5.39% | 0.63% |
| Q4 2025 | $428.7M | $363.0M | $323.7M | $56.5M | $7.0M | 1.62% | 5.23% | 0.51% |
| Q3 2025 | $434.9M | $366.1M | $325.0M | $55.2M | $5.2M | 1.59% | 5.17% | 0.49% |
| Q2 2025 | $437.3M | $369.8M | $320.0M | $54.0M | $3.4M | 1.59% | 5.06% | 0.63% |
| Q1 2025 | $439.1M | $367.0M | $313.4M | $52.6M | $1.6M | 1.50% | 4.96% | 0.50% |
| Q4 2024 | $420.1M | $349.4M | $308.8M | $51.3M | $7.2M | 1.72% | 4.92% | 0.57% |
| Q3 2024 | $418.7M | $348.3M | $310.7M | $50.9M | $5.2M | 1.66% | 4.87% | 0.42% |
Loan mix (Q2 2026): real estate $219.5M · commercial $47.9M · consumer $37.1M · securities $73.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 13.7% | 11.9% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
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 | The Bank | 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 | The Bank | 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 | The Bank | 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 | The Bank | 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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