| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.4% | +0.6 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.4 pts |
| Loan growth (YoY) | -1.6% | +5.6% | -7.2 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $179.6M | $143.7M | $122.5M | $35.0M | $1.5M | 1.63% | 4.14% | 0.89% |
| Q1 2026 | $179.2M | $143.7M | $124.3M | $34.5M | $992K | 2.23% | 4.15% | 0.89% |
| Q4 2025 | $176.8M | $142.4M | $122.3M | $33.5M | $1.5M | 0.86% | 4.36% | 0.32% |
| Q3 2025 | $170.9M | $136.5M | $120.1M | $33.5M | $1.5M | 1.15% | 4.39% | 0.58% |
| Q2 2025 | $171.1M | $136.4M | $124.5M | $33.9M | $1.8M | 2.11% | 4.39% | 0.71% |
| Q1 2025 | $173.2M | $139.4M | $123.2M | $32.8M | $695K | 1.62% | 4.43% | 0.52% |
| Q4 2024 | $169.3M | $136.3M | $119.4M | $32.1M | $1.8M | 1.06% | 4.53% | 0.37% |
| Q3 2024 | $164.9M | $131.8M | $114.4M | $31.8M | $1.5M | 1.22% | 4.56% | 0.44% |
Loan mix (Q2 2026): real estate $76.3M · commercial $5.7M · consumer $6.6M · securities $25.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.3% | 62.9% | 12th |
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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