| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.5% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +10.6% | +4.0% | +6.7 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 9.0% | 11.9% | -2.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $257.7M | $226.2M | $141.7M | $30.8M | $1.4M | 1.10% | 3.38% | 1.13% |
| Q1 2026 | $255.5M | $223.9M | $139.4M | $30.7M | $676K | 1.10% | 3.37% | 1.00% |
| Q4 2025 | $235.1M | $204.2M | $138.8M | $30.5M | $1.9M | 0.83% | 3.40% | 1.24% |
| Q3 2025 | $234.6M | $203.9M | $133.3M | $29.9M | $1.5M | 0.84% | 3.32% | 1.46% |
| Q2 2025 | $233.1M | $204.5M | $136.6M | $28.1M | $918K | 0.79% | 3.29% | 2.45% |
| Q1 2025 | $236.4M | $208.3M | $134.3M | $27.4M | $374K | 0.65% | 3.07% | 1.92% |
| Q4 2024 | $224.5M | $194.9M | $147.0M | $25.8M | $1.2M | 0.55% | 3.00% | 1.85% |
| Q3 2024 | $221.6M | $191.4M | $144.8M | $27.8M | $1.1M | 0.64% | 2.91% | 2.00% |
Loan mix (Q2 2026): real estate $87.5M · commercial $19.1M · consumer $4.3M · securities $88.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 62.9% | 34th |
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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