| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.4% | +4.7 pts |
| Deposit growth (YoY) | +9.1% | +4.0% | +5.1 pts |
| Loan growth (YoY) | +7.7% | +5.6% | +2.1 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 14.5% | 11.9% | +2.6 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $279.5M | $244.1M | $170.8M | $30.1M | $2.1M | 1.50% | 4.12% | 0.00% |
| Q1 2026 | $275.9M | $242.2M | $165.8M | $28.4M | $1.0M | 1.48% | 4.07% | 0.01% |
| Q4 2025 | $279.0M | $245.9M | $161.7M | $28.2M | $3.3M | 1.25% | 4.05% | 0.00% |
| Q3 2025 | $265.4M | $230.5M | $159.5M | $29.6M | $2.7M | 1.36% | 4.04% | 0.02% |
| Q2 2025 | $256.3M | $223.8M | $158.6M | $27.4M | $1.8M | 1.37% | 4.01% | 0.06% |
| Q1 2025 | $252.8M | $221.0M | $155.9M | $26.8M | $901K | 1.38% | 4.01% | 0.13% |
| Q4 2024 | $268.3M | $237.9M | $157.3M | $25.7M | $3.2M | 1.26% | 3.83% | 0.06% |
| Q3 2024 | $254.4M | $220.3M | $152.2M | $28.8M | $2.3M | 1.25% | 3.80% | 0.12% |
Loan mix (Q2 2026): real estate $148.5M · commercial $14.5M · consumer $7.4M · securities $62.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 11.9% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 62.9% | 41th |
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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