| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.21% | 1.24% | -0.0 pts |
| ROE | 9.2% | 11.9% | -2.7 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $392.5M | $336.4M | $205.2M | $53.0M | $2.4M | 1.21% | 3.88% | 0.02% |
| Q1 2026 | $395.3M | $340.9M | $202.5M | $51.4M | $1.2M | 1.18% | 3.86% | 0.00% |
| Q4 2025 | $392.1M | $336.6M | $199.5M | $51.7M | $4.5M | 1.17% | 3.73% | 0.01% |
| Q3 2025 | $387.7M | $335.0M | $197.7M | $49.5M | $3.2M | 1.11% | 3.66% | 0.01% |
| Q2 2025 | $385.8M | $335.5M | $193.3M | $47.0M | $1.9M | 1.01% | 3.57% | 0.00% |
| Q1 2025 | $376.6M | $327.4M | $192.6M | $45.3M | $828K | 0.87% | 3.46% | 0.08% |
| Q4 2024 | $382.2M | $335.0M | $204.8M | $43.5M | $3.8M | 1.01% | 3.51% | 0.09% |
| Q3 2024 | $373.8M | $324.6M | $202.3M | $45.6M | $2.7M | 0.96% | 3.51% | 0.14% |
Loan mix (Q2 2026): real estate $185.5M · commercial $12.1M · consumer $8.7M · securities $126.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.9% | 62.9% | 44th |
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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