| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.8 pts |
| Loan growth (YoY) | +2.9% | +5.6% | -2.6 pts |
| ROA | 2.01% | 1.24% | +0.8 pts |
| ROE | 14.2% | 11.9% | +2.4 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $201.4M | $169.1M | $166.0M | $29.7M | $2.0M | 2.01% | 5.62% | 0.43% |
| Q1 2026 | $205.4M | $173.9M | $164.4M | $28.7M | $994K | 1.95% | 5.56% | 0.57% |
| Q4 2025 | $202.9M | $172.6M | $163.6M | $27.9M | $3.8M | 1.91% | 5.45% | 1.08% |
| Q3 2025 | $200.9M | $171.7M | $162.6M | $27.0M | $3.0M | 1.99% | 5.46% | 0.58% |
| Q2 2025 | $196.8M | $168.8M | $161.3M | $25.7M | $1.9M | 1.88% | 5.41% | 0.31% |
| Q1 2025 | $198.6M | $171.5M | $152.1M | $24.8M | $968K | 1.96% | 5.36% | 0.08% |
| Q4 2024 | $195.7M | $171.3M | $148.2M | $22.4M | $3.1M | 1.74% | 4.95% | 0.50% |
| Q3 2024 | $186.5M | $162.2M | $149.3M | $21.9M | $2.3M | 1.77% | 4.97% | 0.14% |
Loan mix (Q2 2026): real estate $153.3M · commercial $6.5M · consumer $8.2M · securities $10.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.01% | 1.24% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 62.9% | 20th |
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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