| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +4.4% | +0.7 pts |
| Deposit growth (YoY) | +4.2% | +4.0% | +0.3 pts |
| Loan growth (YoY) | +6.7% | +5.6% | +1.1 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 13.9% | 11.9% | +2.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $153.9M | $141.9M | $63.3M | $11.7M | $797K | 1.04% | 3.53% | 0.33% |
| Q1 2026 | $151.7M | $139.9M | $63.5M | $11.6M | $347K | 0.90% | 3.44% | 0.18% |
| Q4 2025 | $155.2M | $137.1M | $62.8M | $11.2M | $1.2M | 0.82% | 3.17% | 0.15% |
| Q3 2025 | $144.7M | $133.5M | $60.1M | $11.0M | $844K | 0.79% | 3.13% | 0.19% |
| Q2 2025 | $146.5M | $136.2M | $59.3M | $10.1M | $556K | 0.78% | 3.08% | 0.08% |
| Q1 2025 | $142.7M | $133.1M | $58.6M | $9.4M | $204K | 0.59% | 2.91% | 0.05% |
| Q4 2024 | $136.2M | $127.6M | $58.0M | $8.3M | $835K | 0.59% | 2.89% | 0.19% |
| Q3 2024 | $143.1M | $133.6M | $58.2M | $9.2M | $646K | 0.60% | 2.84% | 0.05% |
Loan mix (Q2 2026): real estate $54.8M · commercial $5.7M · consumer $1.6M · securities $66.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 11.9% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 62.9% | 51th |
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.