| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +4.4% | -3.7 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | -1.2% | +5.6% | -6.8 pts |
| ROA | 2.10% | 1.24% | +0.9 pts |
| ROE | 34.1% | 11.9% | +22.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $143.5M | $131.3M | $70.2M | $9.6M | $1.6M | 2.10% | 3.96% | 0.12% |
| Q1 2026 | $145.8M | $134.2M | $68.9M | $9.4M | $812K | 2.11% | 3.85% | 0.05% |
| Q4 2025 | $161.6M | $150.6M | $70.8M | $8.7M | $2.0M | 1.37% | 3.75% | 0.13% |
| Q3 2025 | $141.6M | $126.7M | $71.0M | $8.9M | $1.6M | 1.47% | 3.86% | 0.06% |
| Q2 2025 | $142.5M | $132.3M | $71.1M | $7.0M | $1.1M | 1.47% | 3.83% | 0.98% |
| Q1 2025 | $141.9M | $132.4M | $72.8M | $6.5M | $532K | 1.46% | 3.98% | 0.00% |
| Q4 2024 | $150.0M | $142.2M | $75.4M | $5.0M | $1.7M | 1.21% | 3.53% | 0.00% |
| Q3 2024 | $138.7M | $124.7M | $69.0M | $7.3M | $1.5M | 1.39% | 3.55% | 0.00% |
Loan mix (Q2 2026): real estate $34.1M · commercial $17.0M · consumer $3.4M · securities $68.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.10% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 34.1% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.9% | 62.9% | 32th |
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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