| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +1.4% | +5.6% | -4.2 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.4M | $206.9M | $62.5M | $15.7M | $1.4M | 1.21% | 2.52% | 0.08% |
| Q1 2026 | $226.1M | $208.6M | $63.8M | $15.5M | $625K | 1.09% | 2.47% | 0.01% |
| Q4 2025 | $233.4M | $215.6M | $65.0M | $15.6M | $2.1M | 0.97% | 2.25% | 0.01% |
| Q3 2025 | $213.3M | $197.4M | $64.8M | $14.1M | $1.4M | 0.89% | 2.20% | 0.00% |
| Q2 2025 | $213.8M | $199.4M | $61.6M | $12.5M | $928K | 0.86% | 2.17% | 0.00% |
| Q1 2025 | $214.3M | $201.8M | $59.7M | $10.6M | $416K | 0.77% | 2.15% | 0.00% |
| Q4 2024 | $219.3M | $209.6M | $60.0M | $7.5M | $1.4M | 0.65% | 1.93% | 0.01% |
| Q3 2024 | $218.4M | $204.7M | $61.7M | $12.0M | $890K | 0.56% | 1.88% | 0.01% |
Loan mix (Q2 2026): real estate $40.9M · commercial $14.2M · consumer $4.9M · securities $135.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.52% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.5% | 62.9% | 58th |
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% |
The full ratio pack is part of CharterBench Pro.