| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +0.0% | +4.0% | -3.9 pts |
| Loan growth (YoY) | -7.5% | +5.6% | -13.1 pts |
| ROA | 2.50% | 1.24% | +1.3 pts |
| ROE | 16.6% | 11.9% | +4.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $256.5M | $210.5M | $135.2M | $39.4M | $3.2M | 2.50% | 4.17% | 0.02% |
| Q1 2026 | $248.9M | $206.0M | $139.6M | $38.1M | $1.7M | 2.67% | 4.21% | 0.04% |
| Q4 2025 | $260.2M | $217.7M | $144.5M | $37.6M | $6.7M | 2.64% | 4.11% | 0.04% |
| Q3 2025 | $256.0M | $213.8M | $146.0M | $37.2M | $4.3M | 2.27% | 3.98% | 0.77% |
| Q2 2025 | $250.9M | $210.5M | $146.1M | $35.2M | $2.7M | 2.14% | 3.86% | 0.65% |
| Q1 2025 | $253.8M | $214.7M | $144.0M | $33.7M | $1.3M | 2.06% | 3.77% | 0.02% |
| Q4 2024 | $251.0M | $213.6M | $148.4M | $32.2M | $5.9M | 2.42% | 3.74% | 0.03% |
| Q3 2024 | $238.8M | $200.6M | $146.0M | $32.7M | $3.7M | 2.05% | 3.77% | 0.13% |
Loan mix (Q2 2026): real estate $64.8M · commercial $18.8M · consumer $6.5M · securities $86.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.50% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 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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