| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.0% | +4.4% | +3.6 pts |
| Deposit growth (YoY) | +14.7% | +4.0% | +10.8 pts |
| Loan growth (YoY) | -0.2% | +5.6% | -5.8 pts |
| ROA | 0.93% | 1.24% | -0.3 pts |
| ROE | 6.2% | 11.9% | -5.6 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 | $193.1M | $163.0M | $127.0M | $28.7M | $880K | 0.93% | 3.48% | 0.17% |
| Q1 2026 | $191.0M | $161.6M | $124.9M | $28.1M | $436K | 0.93% | 3.52% | 0.05% |
| Q4 2025 | $184.4M | $154.7M | $128.4M | $28.1M | $1.8M | 1.03% | 3.50% | 0.10% |
| Q3 2025 | $178.8M | $148.0M | $124.1M | $27.5M | $1.4M | 1.06% | 3.50% | 0.05% |
| Q2 2025 | $178.8M | $142.1M | $127.2M | $26.9M | $892K | 1.03% | 3.51% | 0.00% |
| Q1 2025 | $172.6M | $143.3M | $118.2M | $26.2M | $386K | 0.91% | 3.39% | 0.00% |
| Q4 2024 | $165.7M | $134.6M | $115.3M | $25.7M | $1.0M | 0.68% | 3.25% | 0.07% |
| Q3 2024 | $167.5M | $136.3M | $113.6M | $26.0M | $692K | 0.64% | 3.16% | 0.00% |
Loan mix (Q2 2026): real estate $117.5M · commercial $9.0M · consumer $1.8M · securities $37.7M
| 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 | 6.2% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.48% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.8% | 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% |
The full ratio pack is part of CharterBench Pro.