| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +15.8% | +4.0% | +11.9 pts |
| Loan growth (YoY) | +5.4% | +5.6% | -0.2 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 8.2% | 11.9% | -3.6 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.0M | $285.6M | $236.4M | $35.9M | $1.5M | 0.83% | 3.29% | 0.00% |
| Q1 2026 | $353.4M | $286.4M | $232.8M | $35.9M | $722K | 0.82% | 3.20% | 0.00% |
| Q4 2025 | $354.8M | $285.8M | $231.3M | $35.4M | $2.2M | 0.62% | 2.99% | 0.00% |
| Q3 2025 | $348.3M | $282.8M | $222.7M | $35.1M | $1.7M | 0.67% | 2.95% | 0.00% |
| Q2 2025 | $343.2M | $246.6M | $224.3M | $34.5M | $1.1M | 0.62% | 2.91% | 0.04% |
| Q1 2025 | $345.2M | $252.4M | $218.2M | $33.8M | $525K | 0.61% | 2.81% | 0.00% |
| Q4 2024 | $341.2M | $245.2M | $215.5M | $31.3M | $1.1M | 0.32% | 2.50% | 0.00% |
| Q3 2024 | $338.0M | $246.6M | $207.6M | $31.6M | $764K | 0.30% | 2.44% | 0.07% |
Loan mix (Q2 2026): real estate $211.5M · commercial $13.1M · consumer $12.8M · securities $60.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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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