| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +7.4% | +5.6% | +1.9 pts |
| ROA | 1.58% | 1.24% | +0.3 pts |
| ROE | 14.6% | 11.9% | +2.7 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.7M | $119.0M | $81.5M | $14.3M | $1.1M | 1.58% | 4.40% | 0.13% |
| Q1 2026 | $134.3M | $119.8M | $74.2M | $13.9M | $520K | 1.53% | 4.31% | 0.13% |
| Q4 2025 | $137.2M | $121.0M | $72.2M | $15.8M | $2.0M | 1.51% | 4.27% | 0.09% |
| Q3 2025 | $130.9M | $114.9M | $74.5M | $15.2M | $1.4M | 1.43% | 4.31% | 0.13% |
| Q2 2025 | $131.6M | $116.5M | $75.9M | $14.3M | $945K | 1.44% | 4.29% | 0.10% |
| Q1 2025 | $131.5M | $117.2M | $73.4M | $13.7M | $461K | 1.41% | 4.22% | 0.09% |
| Q4 2024 | $130.9M | $117.7M | $78.3M | $12.9M | $1.8M | 1.47% | 4.23% | 0.02% |
| Q3 2024 | $125.0M | $110.6M | $77.5M | $13.9M | $1.4M | 1.48% | 4.25% | 0.01% |
Loan mix (Q2 2026): real estate $49.6M · commercial $4.7M · consumer $17.9M · securities $33.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 11.9% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.1% | 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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