| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +1.8% | +4.0% | -2.1 pts |
| Loan growth (YoY) | -1.8% | +5.6% | -7.4 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 14.7% | 11.9% | +2.8 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $207.0M | $175.3M | $129.0M | $30.4M | $2.2M | 2.12% | 4.14% | 1.29% |
| Q1 2026 | $208.7M | $177.7M | $130.1M | $29.4M | $1.2M | 2.46% | 4.08% | 1.43% |
| Q4 2025 | $196.1M | $166.1M | $132.0M | $28.4M | $4.2M | 2.15% | 4.08% | 1.33% |
| Q3 2025 | $199.7M | $168.7M | $129.5M | $29.3M | $3.4M | 2.30% | 4.01% | 1.50% |
| Q2 2025 | $201.7M | $172.1M | $131.3M | $27.7M | $2.1M | 2.18% | 3.91% | 1.11% |
| Q1 2025 | $195.5M | $167.5M | $130.3M | $26.3M | $771K | 1.62% | 3.74% | 1.09% |
| Q4 2024 | $186.4M | $159.1M | $129.6M | $25.5M | $2.5M | 1.36% | 3.55% | 1.17% |
| Q3 2024 | $185.6M | $157.5M | $124.7M | $26.6M | $2.0M | 1.49% | 3.49% | 0.85% |
Loan mix (Q2 2026): real estate $94.0M · commercial $9.2M · consumer $10.9M · securities $44.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 11.9% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 44.9% | 62.9% | 9th |
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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