| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +7.2% | +4.0% | +3.3 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.8 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 23.5% | 11.9% | +11.7 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $446.8M | $396.2M | $175.7M | $18.1M | $2.1M | 0.93% | 2.65% | 0.57% |
| Q1 2026 | $452.0M | $386.5M | $173.6M | $17.2M | $1.0M | 0.92% | 2.57% | 0.46% |
| Q4 2025 | $448.3M | $377.9M | $171.4M | $18.0M | $3.5M | 0.84% | 2.94% | 0.33% |
| Q3 2025 | $411.2M | $339.9M | $165.4M | $17.6M | $3.2M | 1.05% | 2.97% | 0.37% |
| Q2 2025 | $407.1M | $369.5M | $163.7M | $12.4M | $2.1M | 1.02% | 2.92% | 0.36% |
| Q1 2025 | $411.4M | $382.1M | $163.2M | $10.0M | $999K | 0.98% | 2.83% | 0.34% |
| Q4 2024 | $401.3M | $375.9M | $160.7M | $6.3M | $2.9M | 0.74% | 2.58% | 0.33% |
| Q3 2024 | $387.1M | $340.3M | $160.5M | $12.2M | $2.4M | 0.82% | 2.58% | 0.40% |
Loan mix (Q2 2026): real estate $140.9M · commercial $12.5M · consumer $23.4M · securities $240.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 23.5% | 11.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.8% | 62.9% | 32th |
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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