| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.5% | +4.4% | -11.9 pts |
| Deposit growth (YoY) | -9.2% | +4.0% | -13.1 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.4 pts |
| ROA | 1.99% | 1.24% | +0.8 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $191.4M | $162.6M | $134.0M | $27.4M | $2.0M | 1.99% | 5.49% | 0.43% |
| Q1 2026 | $206.4M | $178.0M | $137.0M | $26.7M | $1.1M | 2.07% | 5.46% | 0.56% |
| Q4 2025 | $207.1M | $179.6M | $129.1M | $26.4M | $2.1M | 1.03% | 5.92% | 0.50% |
| Q3 2025 | $211.8M | $182.8M | $120.2M | $27.2M | $3.4M | 2.19% | 5.93% | 0.14% |
| Q2 2025 | $207.0M | $179.0M | $123.0M | $26.0M | $2.4M | 2.31% | 6.01% | 0.02% |
| Q1 2025 | $207.4M | $179.8M | $115.5M | $25.1M | $1.2M | 2.42% | 6.18% | 0.01% |
| Q4 2024 | $202.0M | $175.7M | $112.0M | $24.5M | $5.5M | 2.63% | 6.19% | 0.14% |
| Q3 2024 | $202.1M | $176.1M | $101.5M | $23.9M | $4.3M | 2.70% | 6.12% | 0.46% |
Loan mix (Q2 2026): real estate $93.9M · commercial $5.8M · consumer $3.8M · securities $27.8M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.99% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.49% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.4% | 62.9% | 17th |
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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