| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.4% | +5.8 pts |
| Deposit growth (YoY) | +9.6% | +4.0% | +5.7 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.8 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $253.3M | $227.8M | $160.6M | $23.5M | $1.8M | 1.40% | 3.89% | 0.73% |
| Q1 2026 | $256.2M | $231.3M | $160.3M | $22.7M | $902K | 1.42% | 3.84% | 0.75% |
| Q4 2025 | $250.7M | $226.6M | $162.2M | $22.1M | $2.6M | 1.12% | 3.66% | 0.64% |
| Q3 2025 | $234.0M | $210.8M | $156.0M | $21.3M | $2.0M | 1.16% | 3.59% | 0.42% |
| Q2 2025 | $229.9M | $207.8M | $149.6M | $20.2M | $1.2M | 1.08% | 3.53% | 0.44% |
| Q1 2025 | $231.2M | $209.7M | $148.0M | $19.3M | $582K | 1.03% | 3.43% | 0.35% |
| Q4 2024 | $218.8M | $198.9M | $150.6M | $18.4M | $1.7M | 0.81% | 3.17% | 0.26% |
| Q3 2024 | $216.2M | $195.7M | $145.5M | $19.0M | $1.3M | 0.82% | 3.11% | 0.57% |
Loan mix (Q2 2026): real estate $115.0M · commercial $24.0M · consumer $4.9M · securities $53.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 29th |
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.