| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.8% | +3.0% | +11.8 pts |
| Deposit growth (YoY) | +16.6% | +2.5% | +14.1 pts |
| Loan growth (YoY) | +13.6% | +2.6% | +11.0 pts |
| ROA | 1.95% | 0.99% | +1.0 pts |
| ROE | 23.3% | 8.1% | +15.3 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.1M | $84.3M | $81.7M | $8.2M | $878K | 1.95% | 5.17% | 0.09% |
| Q1 2026 | $88.3M | $77.7M | $75.1M | $7.3M | $406K | 1.87% | 5.13% | 0.00% |
| Q4 2025 | $85.1M | $73.5M | $71.6M | $7.1M | $1.6M | 1.94% | 5.44% | 0.00% |
| Q3 2025 | $85.5M | $72.0M | $73.5M | $7.0M | $1.2M | 2.00% | 5.53% | 0.00% |
| Q2 2025 | $83.7M | $72.3M | $71.9M | $7.0M | $803K | 2.02% | 5.62% | 0.00% |
| Q1 2025 | $79.2M | $68.0M | $67.5M | $6.8M | $395K | 2.04% | 5.68% | 0.00% |
| Q4 2024 | $76.1M | $63.9M | $64.5M | $6.7M | $1.2M | 1.67% | 5.55% | 0.00% |
| Q3 2024 | $77.1M | $63.8M | $63.0M | $6.9M | $910K | 1.67% | 5.50% | 0.00% |
Loan mix (Q2 2026): real estate $55.9M · commercial $9.4M · consumer $1.4M · securities $625K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 0.99% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 23.3% | 8.1% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.17% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.6% | 70.8% | 21th |
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.