| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.6 pts |
| Deposit growth (YoY) | +7.6% | +4.0% | +3.6 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 1.01% | 1.24% | -0.2 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 35th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.5M | $264.9M | $131.3M | $29.5M | $1.6M | 1.01% | 3.38% | 0.02% |
| Q1 2026 | $321.2M | $260.7M | $129.4M | $29.4M | $812K | 1.02% | 3.35% | 0.02% |
| Q4 2025 | $313.7M | $258.9M | $130.7M | $29.3M | $2.6M | 0.85% | 3.32% | 0.00% |
| Q3 2025 | $310.1M | $259.1M | $122.4M | $28.1M | $1.9M | 0.83% | 3.30% | 0.00% |
| Q2 2025 | $306.2M | $246.2M | $121.2M | $25.3M | $1.3M | 0.89% | 3.31% | 0.00% |
| Q1 2025 | $296.3M | $266.7M | $113.8M | $25.2M | $719K | 0.97% | 3.39% | 0.00% |
| Q4 2024 | $294.3M | $266.3M | $119.2M | $24.1M | $2.6M | 0.87% | 3.08% | 0.00% |
| Q3 2024 | $298.6M | $249.8M | $118.5M | $24.8M | $1.8M | 0.81% | 3.05% | 0.00% |
Loan mix (Q2 2026): real estate $91.4M · commercial $9.7M · consumer $4.7M · securities $169.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.01% | 1.24% | 35th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
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 | 70.7% | 62.9% | 70th |
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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