| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +3.0% | +4.1 pts |
| Deposit growth (YoY) | +6.4% | +2.5% | +3.9 pts |
| Loan growth (YoY) | +36.2% | +2.6% | +33.6 pts |
| ROA | 1.31% | 0.99% | +0.3 pts |
| ROE | 10.4% | 8.1% | +2.3 pts |
ROA ranks in the 68th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $57.6M | $47.9M | $48.4M | $7.2M | $357K | 1.31% | 5.15% | 0.17% |
| Q1 2026 | $52.6M | $45.7M | $40.2M | $6.8M | $172K | 1.31% | 5.21% | 0.15% |
| Q4 2025 | $52.7M | $46.0M | $41.7M | $6.6M | $124K | 0.23% | 1.27% | 0.08% |
| Q3 2025 | $49.6M | $45.0M | $34.3M | $4.4M | $164K | 0.40% | 4.97% | 0.04% |
| Q2 2025 | $53.8M | $45.0M | $35.5M | $8.6M | $448K | 1.59% | 4.87% | 0.61% |
| Q1 2025 | $57.6M | $48.9M | $35.0M | $8.6M | $194K | 1.35% | 4.80% | 0.09% |
| Q4 2024 | $57.7M | $49.2M | $33.8M | $8.3M | $707K | 1.32% | 5.01% | 0.03% |
| Q3 2024 | $53.7M | $45.4M | $33.5M | $8.1M | $351K | 0.89% | 5.03% | 0.17% |
Loan mix (Q2 2026): real estate $37.2M · commercial $3.3M · consumer $2.4M · securities $4.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.99% | 68th | |
Return on equity Annualized net income ÷ equity or net worth | 10.4% | 8.1% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.4% | 70.8% | 40th |
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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