| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.8 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 0.00% | 1.24% | -1.2 pts |
| ROE | 0.0% | 11.9% | -11.9 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $449.6M | $19.7M | $396.0M | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2026 | $487.5M | $19.9M | $434.8M | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2025 | $524.4M | $19.6M | $465.3M | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2025 | $496.9M | $19.8M | $440.1M | — | — | 0.00% | 0.00% | 0.00% |
| Q2 2025 | $427.8M | $19.5M | $401.4M | — | — | 0.00% | 0.00% | 0.00% |
| Q1 2025 | $382.6M | $19.7M | $361.9M | — | — | 0.00% | 0.00% | 0.00% |
| Q4 2024 | $363.1M | $19.4M | $335.3M | — | — | 0.00% | 0.00% | 0.00% |
| Q3 2024 | $376.0M | $19.9M | $350.1M | — | — | 0.00% | 0.00% | 0.00% |
Loan mix (Q2 2026): real estate $114.4M · commercial $201.7M · consumer — · securities $0
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.00% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | — | Not enough history yet. | 11.9% | — |
Net interest margin Interest income − interest expense, ÷ assets | 0.00% | 3.96% | 0th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 0.0% |
Peer lists, growth filters, CSV export, CRM push.
| 62.9% |
0th |
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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