| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +1.3% | +4.0% | -2.7 pts |
| Loan growth (YoY) | +6.9% | +5.6% | +1.3 pts |
| ROA | 1.71% | 1.24% | +0.5 pts |
| ROE | 13.8% | 11.9% | +2.0 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $107.8M | $92.8M | $67.9M | $13.8M | $920K | 1.71% | 5.00% | 0.08% |
| Q1 2026 | $109.8M | $95.4M | $67.6M | $13.2M | $366K | 1.36% | 4.95% | 0.03% |
| Q4 2025 | $105.3M | $91.1M | $66.5M | $13.0M | $1.3M | 1.25% | 5.05% | 0.03% |
| Q3 2025 | $105.4M | $91.5M | $64.6M | $12.8M | $1.2M | 1.58% | 5.03% | 0.03% |
| Q2 2025 | $105.2M | $91.6M | $63.5M | $12.5M | $920K | 1.77% | 4.95% | 0.03% |
| Q1 2025 | $106.1M | $92.5M | $61.8M | $12.6M | $426K | 1.65% | 4.81% | 0.04% |
| Q4 2024 | $100.4M | $87.1M | $59.8M | $12.1M | $1.2M | 1.18% | 4.51% | 0.01% |
| Q3 2024 | $101.0M | $87.8M | $58.8M | $12.1M | $1.1M | 1.44% | 4.39% | 0.02% |
Loan mix (Q2 2026): real estate $58.1M · commercial $6.9M · consumer $3.1M · securities $17.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.71% | 1.24% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 13.8% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.00% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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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