| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.8 pts |
| Deposit growth (YoY) | +5.7% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.3 pts |
| ROA | 0.76% | 1.24% | -0.5 pts |
| ROE | 7.6% | 11.9% | -4.3 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $296.4M | $262.3M | $223.1M | $29.9M | $1.1M | 0.76% | 4.16% | 0.55% |
| Q1 2026 | $296.4M | $262.9M | $216.4M | $29.3M | $506K | 0.70% | 4.14% | 0.03% |
| Q4 2025 | $285.6M | $252.1M | $213.1M | $29.1M | $292K | 0.10% | 4.12% | 0.12% |
| Q3 2025 | $286.0M | $253.0M | $207.7M | $28.7M | $-27K | -0.01% | 4.07% | 0.05% |
| Q2 2025 | $279.1M | $248.3M | $206.7M | $28.3M | $-466K | -0.33% | 4.01% | 0.12% |
| Q1 2025 | $289.6M | $257.1M | $201.9M | $29.3M | $504K | 0.70% | 3.96% | 0.00% |
| Q4 2024 | $287.8M | $256.0M | $203.5M | $28.7M | $2.6M | 0.90% | 3.82% | 0.00% |
| Q3 2024 | $283.0M | $251.5M | $201.5M | $28.2M | $1.9M | 0.89% | 3.78% | 0.01% |
Loan mix (Q2 2026): real estate $214.8M · commercial $8.7M · consumer $1.4M · securities $35.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 7.6% | 11.9% | 25th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.4% | 62.9% | 85th |
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% |
The full ratio pack is part of CharterBench Pro.