| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.6% | +4.4% | +6.2 pts |
| Deposit growth (YoY) | +11.1% | +4.0% | +7.1 pts |
| Loan growth (YoY) | +5.7% | +5.6% | +0.1 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 12.2% | 11.9% | +0.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.4M | $203.2M | $140.7M | $26.7M | $1.6M | 1.39% | 4.45% | 0.10% |
| Q1 2026 | $223.9M | $197.4M | $139.3M | $26.0M | $686K | 1.20% | 4.25% | 1.22% |
| Q4 2025 | $234.0M | $208.1M | $138.9M | $25.6M | $2.5M | 1.15% | 4.21% | 0.00% |
| Q3 2025 | $218.8M | $192.1M | $139.6M | $26.3M | $2.2M | 1.36% | 4.15% | 0.02% |
| Q2 2025 | $208.3M | $182.9M | $133.1M | $25.0M | $1.2M | 1.10% | 4.09% | 1.37% |
| Q1 2025 | $211.3M | $186.8M | $135.1M | $24.2M | $524K | 0.96% | 3.92% | 0.01% |
| Q4 2024 | $223.9M | $200.3M | $139.5M | $23.3M | $1.9M | 0.89% | 4.05% | 0.01% |
| Q3 2024 | $214.6M | $190.1M | $136.3M | $24.0M | $1.7M | 1.08% | 4.09% | 0.03% |
Loan mix (Q2 2026): real estate $119.6M · commercial $9.6M · consumer $7.2M · securities $52.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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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