| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +21.3% | +4.4% | +16.9 pts |
| Deposit growth (YoY) | +22.5% | +4.0% | +18.6 pts |
| Loan growth (YoY) | -9.0% | +5.6% | -14.6 pts |
| ROA | 2.55% | 1.24% | +1.3 pts |
| ROE | 34.2% | 11.9% | +22.4 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $105.2M | $97.2M | $40.3M | $7.8M | $1.3M | 2.55% | 4.96% | 0.10% |
| Q1 2026 | $112.6M | $104.6M | $41.8M | $7.9M | $661K | 2.54% | 4.97% | 0.18% |
| Q4 2025 | $95.9M | $88.0M | $44.5M | $7.7M | $1.7M | 1.98% | 5.71% | 0.15% |
| Q3 2025 | $96.9M | $89.0M | $44.6M | $7.5M | $1.2M | 1.91% | 5.72% | 0.15% |
| Q2 2025 | $86.8M | $79.3M | $44.2M | $7.1M | $958K | 2.51% | 5.95% | 0.44% |
| Q1 2025 | $71.1M | $64.1M | $42.9M | $6.7M | $350K | 1.97% | 6.27% | 0.24% |
| Q4 2024 | $70.8M | $64.0M | $42.7M | $6.6M | $2.0M | 2.81% | 6.16% | 0.33% |
| Q3 2024 | $70.7M | $63.6M | $43.7M | $6.7M | $1.5M | 2.77% | 6.10% | 0.17% |
Loan mix (Q2 2026): real estate $22.7M · commercial $6.5M · consumer $8.3M · securities $49.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 34.2% | 11.9% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.0% | 62.9% | 22th |
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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