| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.0% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +6.2% | +4.0% | +2.3 pts |
| Loan growth (YoY) | -0.4% | +5.6% | -6.0 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $302.7M | $267.2M | $214.8M | $32.1M | $2.4M | 1.61% | 4.25% | 0.84% |
| Q1 2026 | $299.4M | $264.3M | $213.2M | $31.4M | $1.2M | 1.57% | 4.10% | 1.37% |
| Q4 2025 | $299.2M | $264.8M | $210.9M | $30.7M | $4.4M | 1.52% | 4.17% | 0.60% |
| Q3 2025 | $299.6M | $265.8M | $214.7M | $30.5M | $3.4M | 1.59% | 4.12% | 0.53% |
| Q2 2025 | $291.0M | $251.5M | $215.8M | $29.4M | $2.2M | 1.53% | 4.07% | 0.46% |
| Q1 2025 | $285.5M | $246.5M | $211.4M | $28.5M | $982K | 1.41% | 3.97% | 0.33% |
| Q4 2024 | $273.5M | $236.6M | $204.3M | $27.7M | $3.8M | 1.41% | 3.84% | 0.33% |
| Q3 2024 | $288.8M | $240.1M | $203.1M | $27.5M | $2.7M | 1.33% | 3.74% | 0.59% |
Loan mix (Q2 2026): real estate $173.0M · commercial $32.3M · consumer $9.5M · securities $57.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.25% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.1% | 62.9% | 16th |
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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