| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.0% | +4.4% | +6.6 pts |
| Deposit growth (YoY) | +7.3% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +21.8% | +5.6% | +16.2 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $301.3M | $215.2M | $112.3M | $29.4M | $636K | 0.43% | 2.78% | 0.21% |
| Q1 2026 | $293.4M | $219.4M | $112.8M | $26.8M | $358K | 0.49% | 2.74% | 0.02% |
| Q4 2025 | $294.6M | $221.2M | $111.3M | $27.5M | $1.3M | 0.48% | 2.47% | 0.09% |
| Q3 2025 | $281.6M | $217.2M | $98.8M | $25.9M | $972K | 0.47% | 2.40% | 0.04% |
| Q2 2025 | $271.5M | $200.5M | $92.2M | $22.2M | $554K | 0.41% | 2.25% | 0.02% |
| Q1 2025 | $271.3M | $218.0M | $90.4M | $23.7M | $160K | 0.24% | 2.12% | 0.36% |
| Q4 2024 | $271.0M | $229.6M | $89.3M | $21.7M | $-1.8M | -0.59% | 1.31% | 0.10% |
| Q3 2024 | $314.9M | $229.8M | $86.1M | $30.4M | $-542K | -0.22% | 1.16% | 0.08% |
Loan mix (Q2 2026): real estate $64.6M · commercial $17.0M · consumer $22.0M · securities $144.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.8% | 62.9% | 62th |
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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