| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.4 pts |
| Loan growth (YoY) | +8.5% | +5.6% | +2.9 pts |
| ROA | 0.98% | 1.24% | -0.3 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $242.0M | $215.4M | $155.5M | $24.7M | $1.2M | 0.98% | 4.45% | 1.97% |
| Q1 2026 | $244.3M | $219.2M | $149.5M | $24.4M | $416K | 0.68% | 4.33% | 2.11% |
| Q4 2025 | $244.9M | $217.0M | $147.0M | $26.1M | $2.4M | 1.02% | 4.11% | 1.53% |
| Q3 2025 | $240.8M | $214.0M | $145.8M | $25.9M | $1.8M | 0.99% | 4.02% | 1.77% |
| Q2 2025 | $240.1M | $214.3M | $143.4M | $24.9M | $1.0M | 0.89% | 3.96% | 1.55% |
| Q1 2025 | $237.2M | $212.0M | $143.5M | $24.3M | $377K | 0.65% | 3.87% | 1.92% |
| Q4 2024 | $230.1M | $205.8M | $143.3M | $23.5M | $1.9M | 0.85% | 3.79% | 1.53% |
| Q3 2024 | $227.2M | $202.0M | $140.9M | $24.1M | $1.4M | 0.85% | 3.73% | 1.13% |
Loan mix (Q2 2026): real estate $116.7M · commercial $16.9M · consumer $20.0M · securities $67.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.8% | 62.9% | 72th |
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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