| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +4.4% | +5.0 pts |
| Deposit growth (YoY) | +8.9% | +4.0% | +5.0 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 22.0% | 11.9% | +10.2 pts |
ROA ranks in the 81st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $158.7M | $143.7M | $112.2M | $13.4M | $1.4M | 1.84% | 4.14% | 0.04% |
| Q1 2026 | $157.6M | $143.4M | $109.6M | $12.6M | $683K | 1.77% | 4.01% | 0.04% |
| Q4 2025 | $151.7M | $137.0M | $107.8M | $13.0M | $2.2M | 1.49% | 4.03% | 0.04% |
| Q3 2025 | $146.1M | $131.9M | $107.8M | $12.7M | $1.9M | 1.72% | 3.97% | 0.10% |
| Q2 2025 | $145.2M | $131.9M | $105.2M | $11.8M | $1.2M | 1.69% | 3.83% | 0.02% |
| Q1 2025 | $146.1M | $133.8M | $100.7M | $10.9M | $533K | 1.46% | 3.64% | 0.04% |
| Q4 2024 | $146.9M | $134.7M | $98.8M | $10.8M | $1.7M | 1.21% | 3.55% | 0.03% |
| Q3 2024 | $137.5M | $125.1M | $98.5M | $11.0M | $1.5M | 1.45% | 3.54% | 0.03% |
Loan mix (Q2 2026): real estate $76.1M · commercial $11.7M · consumer $9.0M · securities $25.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 81th | |
Return on equity Annualized net income ÷ equity or net worth | 22.0% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.9% | 62.9% | 35th |
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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