| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.9 pts |
| Loan growth (YoY) | +14.4% | +5.6% | +8.8 pts |
| ROA | 0.48% | 1.24% | -0.8 pts |
| ROE | 4.3% | 11.9% | -7.6 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $389.9M | $327.1M | $242.5M | $43.6M | $918K | 0.48% | 4.02% | 0.00% |
| Q1 2026 | $380.3M | $326.4M | $228.4M | $42.9M | $301K | 0.32% | 3.94% | 0.00% |
| Q4 2025 | $367.6M | $307.1M | $222.3M | $43.1M | $1.9M | 0.52% | 3.74% | 0.01% |
| Q3 2025 | $367.9M | $312.3M | $210.0M | $42.5M | $1.7M | 0.62% | 3.67% | 0.03% |
| Q2 2025 | $364.8M | $311.9M | $212.1M | $40.9M | $984K | 0.53% | 3.64% | 0.02% |
| Q1 2025 | $381.2M | $323.7M | $219.9M | $39.9M | $411K | 0.44% | 3.58% | 0.02% |
| Q4 2024 | $372.5M | $310.3M | $222.4M | $38.7M | $1.9M | 0.50% | 3.55% | 0.02% |
| Q3 2024 | $380.3M | $318.9M | $221.8M | $40.1M | $1.5M | 0.53% | 3.51% | 0.06% |
Loan mix (Q2 2026): real estate $222.5M · commercial $10.7M · consumer $1.3M · securities $92.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.48% | 1.24% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 4.3% | 11.9% | 12th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.6% | 62.9% | 91th |
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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