| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +8.7% | +4.0% | +4.8 pts |
| Loan growth (YoY) | -6.6% | +5.6% | -12.1 pts |
| ROA | 3.44% | 1.24% | +2.2 pts |
| ROE | 31.1% | 11.9% | +19.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $222.8M | $194.5M | $138.7M | $27.2M | $3.9M | 3.44% | 4.54% | 0.29% |
| Q1 2026 | $224.2M | $199.6M | $139.6M | $23.9M | $803K | 1.42% | 4.42% | 0.70% |
| Q4 2025 | $228.1M | $203.7M | $141.7M | $23.4M | $2.6M | 1.24% | 4.52% | 0.82% |
| Q3 2025 | $216.3M | $191.3M | $148.0M | $24.1M | $2.0M | 1.27% | 4.54% | 0.66% |
| Q2 2025 | $207.7M | $178.9M | $148.4M | $22.8M | $1.3M | 1.29% | 4.53% | 0.46% |
| Q1 2025 | $208.1M | $180.1M | $150.2M | $22.1M | $679K | 1.32% | 4.58% | 0.41% |
| Q4 2024 | $203.3M | $176.4M | $151.8M | $21.1M | $2.5M | 1.30% | 4.58% | 0.17% |
| Q3 2024 | $200.8M | $172.8M | $151.6M | $22.1M | $1.9M | 1.34% | 4.52% | 0.02% |
Loan mix (Q2 2026): real estate $128.4M · commercial $7.3M · consumer $3.4M · securities $46.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.44% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 31.1% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.6% | 62.9% | 8th |
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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