| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +0.5% | +4.0% | -3.5 pts |
| Loan growth (YoY) | +7.9% | +5.6% | +2.3 pts |
| ROA | 1.09% | 1.24% | -0.1 pts |
| ROE | 18.8% | 11.9% | +7.0 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.7M | $103.2M | $53.2M | $7.3M | $682K | 1.09% | 3.23% | 0.76% |
| Q1 2026 | $125.1M | $108.6M | $53.7M | $7.4M | $242K | 0.76% | 3.14% | 1.43% |
| Q4 2025 | $131.1M | $114.9M | $51.8M | $7.0M | $1.4M | 1.13% | 2.94% | 1.39% |
| Q3 2025 | $122.4M | $106.2M | $48.8M | $7.0M | $1.1M | 1.15% | 2.92% | 0.79% |
| Q2 2025 | $115.9M | $102.7M | $49.3M | $5.0M | $728K | 1.20% | 2.85% | 0.83% |
| Q1 2025 | $122.7M | $108.4M | $48.3M | $5.2M | $397K | 1.28% | 2.68% | 0.81% |
| Q4 2024 | $125.6M | $113.2M | $47.6M | $3.1M | $1.2M | 1.02% | 2.96% | 0.06% |
| Q3 2024 | $118.6M | $103.5M | $46.0M | $5.8M | $977K | 1.09% | 2.96% | 0.15% |
Loan mix (Q2 2026): real estate $31.4M · commercial $6.1M · consumer $4.4M · securities $52.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.24% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 18.8% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.23% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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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