| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.5% | +4.4% | -1.9 pts |
| Deposit growth (YoY) | +1.6% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +5.3% | +5.6% | -0.3 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.6M | $166.1M | $124.0M | $18.7M | $875K | 0.92% | 4.04% | 0.44% |
| Q1 2026 | $196.3M | $175.0M | $120.6M | $18.5M | $384K | 0.81% | 3.94% | 0.27% |
| Q4 2025 | $184.4M | $163.4M | $123.4M | $18.1M | $1.4M | 0.79% | 3.91% | 0.23% |
| Q3 2025 | $181.5M | $161.0M | $118.5M | $17.6M | $907K | 0.68% | 3.90% | 0.38% |
| Q2 2025 | $183.1M | $163.6M | $117.8M | $16.7M | $583K | 0.66% | 3.86% | 0.21% |
| Q1 2025 | $178.5M | $159.2M | $114.8M | $16.5M | $252K | 0.58% | 3.86% | 0.18% |
| Q4 2024 | $171.5M | $152.4M | $119.8M | $16.2M | $707K | 0.43% | 3.76% | 0.26% |
| Q3 2024 | $168.5M | $149.3M | $120.2M | $16.3M | $428K | 0.35% | 3.72% | 0.32% |
Loan mix (Q2 2026): real estate $95.8M · commercial $13.1M · consumer $2.6M · securities $38.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.0% | 62.9% | 64th |
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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