| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.5 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +6.0% | +5.6% | +0.4 pts |
| ROA | 1.83% | 1.24% | +0.6 pts |
| ROE | 15.5% | 11.9% | +3.6 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $420.5M | $365.1M | $293.2M | $50.7M | $3.8M | 1.83% | 4.93% | 0.26% |
| Q1 2026 | $418.9M | $365.7M | $289.1M | $48.9M | $1.8M | 1.77% | 4.84% | 0.10% |
| Q4 2025 | $412.9M | $359.9M | $284.9M | $48.8M | $7.6M | 1.90% | 5.09% | 0.08% |
| Q3 2025 | $409.0M | $358.2M | $280.9M | $46.6M | $5.6M | 1.87% | 5.08% | 0.08% |
| Q2 2025 | $400.8M | $352.7M | $276.5M | $44.1M | $3.7M | 1.86% | 5.01% | 0.05% |
| Q1 2025 | $400.0M | $353.1M | $268.8M | $42.3M | $1.7M | 1.74% | 4.85% | 0.08% |
| Q4 2024 | $388.8M | $343.3M | $258.1M | $41.4M | $6.5M | 1.83% | 5.11% | 0.07% |
| Q3 2024 | $359.7M | $315.2M | $256.2M | $40.3M | $4.6M | 1.79% | 5.12% | 0.07% |
Loan mix (Q2 2026): real estate $235.8M · commercial $41.3M · consumer $14.3M · securities $53.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.83% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.8% | 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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