| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +3.0% | +7.5 pts |
| Deposit growth (YoY) | +11.6% | +2.5% | +9.1 pts |
| Loan growth (YoY) | +15.8% | +2.6% | +13.2 pts |
| ROA | 1.81% | 0.99% | +0.8 pts |
| ROE | 13.2% | 8.1% | +5.1 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.4M | $19.4M | $14.3M | $3.1M | $197K | 1.81% | 4.38% | 1.48% |
| Q1 2026 | $21.2M | $17.2M | $13.9M | $3.0M | $96K | 1.82% | 4.50% | 1.52% |
| Q4 2025 | $20.9M | $17.0M | $13.5M | $2.9M | $373K | 1.79% | 4.45% | 4.78% |
| Q3 2025 | $21.1M | $17.2M | $12.8M | $2.9M | $307K | 1.97% | 4.30% | 1.08% |
| Q2 2025 | $21.1M | $17.4M | $12.4M | $2.8M | $183K | 1.77% | 4.13% | 1.10% |
| Q1 2025 | $21.1M | $17.5M | $13.5M | $2.7M | $92K | 1.79% | 4.14% | 0.00% |
| Q4 2024 | $19.9M | $16.1M | $13.1M | $2.6M | $343K | 1.70% | 4.36% | 0.00% |
| Q3 2024 | $20.6M | $16.9M | $13.0M | $2.5M | $326K | 2.15% | 4.40% | 0.30% |
Loan mix (Q2 2026): real estate $9.8M · commercial $3.1M · consumer $870K · securities $508K
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 0.99% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 13.2% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 70.8% | 22th |
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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