| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.0% | +0.2 pts |
| Deposit growth (YoY) | +1.6% | +2.5% | -0.9 pts |
| Loan growth (YoY) | +11.2% | +2.6% | +8.6 pts |
| ROA | 1.57% | 0.99% | +0.6 pts |
| ROE | 11.9% | 8.1% | +3.8 pts |
ROA ranks in the 77th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $60.8M | $52.1M | $34.3M | $8.3M | $481K | 1.57% | 3.82% | 0.00% |
| Q1 2026 | $57.8M | $49.4M | $31.0M | $8.0M | $228K | 1.48% | 3.77% | 0.00% |
| Q4 2025 | $65.8M | $57.6M | $33.0M | $7.9M | $864K | 1.41% | 3.85% | 0.00% |
| Q3 2025 | $66.1M | $58.0M | $31.1M | $7.6M | $652K | 1.44% | 3.77% | 0.00% |
| Q2 2025 | $59.0M | $51.3M | $30.8M | $7.3M | $413K | 1.41% | 3.75% | 0.00% |
| Q1 2025 | $56.8M | $49.5M | $30.6M | $7.1M | $201K | 1.38% | 3.71% | 0.00% |
| Q4 2024 | $59.4M | $52.4M | $32.6M | $6.8M | $770K | 1.32% | 3.74% | 0.00% |
| Q3 2024 | $55.8M | $48.6M | $30.5M | $6.7M | $563K | 1.29% | 3.63% | 0.00% |
Loan mix (Q2 2026): real estate $12.6M · commercial $3.3M · consumer $982K · securities $10.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 0.99% | 77th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 8.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.82% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.5% | 70.8% | 6th |
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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