| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +4.4% | -3.3 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.61% | 1.24% | +0.4 pts |
| ROE | 16.4% | 11.9% | +4.6 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $270.3M | $242.6M | $183.4M | $27.2M | $2.2M | 1.61% | 4.17% | 0.56% |
| Q1 2026 | $280.0M | $252.1M | $177.6M | $27.4M | $1.1M | 1.55% | 4.07% | 0.61% |
| Q4 2025 | $278.0M | $250.5M | $188.3M | $26.7M | $4.2M | 1.54% | 4.01% | 0.56% |
| Q3 2025 | $287.8M | $261.5M | $176.6M | $25.6M | $3.1M | 1.55% | 4.00% | 0.00% |
| Q2 2025 | $267.4M | $243.3M | $172.7M | $23.5M | $2.1M | 1.56% | 4.02% | 0.08% |
| Q1 2025 | $268.9M | $244.7M | $173.1M | $23.7M | $1.0M | 1.53% | 3.98% | 0.05% |
| Q4 2024 | $259.9M | $237.6M | $174.7M | $21.6M | $3.5M | 1.29% | 3.56% | 0.05% |
| Q3 2024 | $275.9M | $247.8M | $165.7M | $23.7M | $2.4M | 1.18% | 3.44% | 0.05% |
Loan mix (Q2 2026): real estate $167.7M · commercial $6.5M · consumer $1.6M · securities $61.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.24% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 11.9% | 75th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 62.9% | 49th |
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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