| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +3.0% | -1.5 pts |
| Deposit growth (YoY) | -0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | +21.3% | +2.6% | +18.7 pts |
| ROA | 1.05% | 0.99% | +0.1 pts |
| ROE | 9.6% | 8.1% | +1.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.3M | $69.5M | $44.2M | $8.5M | $409K | 1.05% | 4.14% | 0.04% |
| Q1 2026 | $78.7M | $69.9M | $41.8M | $8.6M | $202K | 1.04% | 4.13% | 0.16% |
| Q4 2025 | $76.6M | $68.0M | $42.5M | $8.4M | $728K | 0.95% | 4.03% | 0.17% |
| Q3 2025 | $76.5M | $67.4M | $40.1M | $8.8M | $539K | 0.94% | 3.99% | 0.16% |
| Q2 2025 | $77.2M | $69.5M | $36.4M | $7.5M | $337K | 0.88% | 3.87% | 0.14% |
| Q1 2025 | $78.3M | $70.6M | $35.9M | $7.4M | $161K | 0.84% | 3.78% | 0.14% |
| Q4 2024 | $74.5M | $67.3M | $36.1M | $7.1M | $742K | 1.01% | 3.69% | 0.14% |
| Q3 2024 | $73.8M | $66.1M | $34.1M | $7.5M | $420K | 0.77% | 3.68% | 0.33% |
Loan mix (Q2 2026): real estate $31.0M · commercial $2.1M · consumer $3.2M · securities $29.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 0.99% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 8.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 70.8% | 44th |
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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