| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.2 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 4.0% | 11.9% | -7.9 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $116.6M | $93.1M | $69.9M | $22.4M | $443K | 0.78% | 3.85% | 0.08% |
| Q1 2026 | $112.3M | $87.0M | $66.3M | $22.1M | $209K | 0.74% | 3.69% | 0.64% |
| Q4 2025 | $113.4M | $90.1M | $62.7M | $22.2M | $631K | 0.55% | 3.30% | 0.02% |
| Q3 2025 | $116.2M | $86.7M | $66.7M | $21.8M | $471K | 0.55% | 3.26% | 0.12% |
| Q2 2025 | $113.7M | $88.8M | $66.9M | $21.5M | $248K | 0.43% | 3.16% | 0.09% |
| Q1 2025 | $114.0M | $91.7M | $64.3M | $21.1M | $93K | 0.33% | 3.03% | 0.20% |
| Q4 2024 | $114.5M | $91.7M | $64.6M | $20.7M | $489K | 0.42% | 2.93% | 0.16% |
| Q3 2024 | $117.1M | $91.3M | $65.1M | $21.0M | $441K | 0.51% | 2.95% | 0.08% |
Loan mix (Q2 2026): real estate $46.7M · commercial $8.4M · consumer $1.7M · securities $37.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 11.9% | 11th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.7% | 62.9% | 81th |
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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