| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +3.1% | +5.6% | -2.5 pts |
| ROA | 1.26% | 1.24% | +0.0 pts |
| ROE | 10.9% | 11.9% | -0.9 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.3M | $220.8M | $148.6M | $28.5M | $1.6M | 1.26% | 4.08% | 0.23% |
| Q1 2026 | $246.4M | $217.1M | $148.4M | $28.5M | $775K | 1.28% | 4.07% | 0.23% |
| Q4 2025 | $239.4M | $210.7M | $148.1M | $28.1M | $4.0M | 1.65% | 4.52% | 0.25% |
| Q3 2025 | $237.8M | $207.6M | $146.0M | $29.0M | $2.9M | 1.61% | 4.51% | 0.36% |
| Q2 2025 | $237.4M | $209.0M | $144.1M | $27.4M | $1.9M | 1.61% | 4.48% | 0.42% |
| Q1 2025 | $241.6M | $213.7M | $143.7M | $27.0M | $983K | 1.63% | 4.40% | 0.28% |
| Q4 2024 | $239.5M | $213.3M | $143.4M | $25.6M | $2.6M | 1.04% | 4.58% | 0.39% |
| Q3 2024 | $245.4M | $217.5M | $142.3M | $26.8M | $1.3M | 0.68% | 4.49% | 0.41% |
Loan mix (Q2 2026): real estate $142.7M · commercial $5.1M · consumer $1.2M · securities $54.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.08% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 62.9% | 75th |
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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