| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.4% | +4.4% | -2.0 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +1.2% | +5.6% | -4.4 pts |
| ROA | 3.38% | 1.24% | +2.1 pts |
| ROE | 11.2% | 11.9% | -0.6 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $363.7M | $225.6M | $305.3M | $114.1M | $6.2M | 3.38% | 5.19% | 0.85% |
| Q1 2026 | $359.4M | $223.9M | $315.6M | $111.0M | $3.1M | 3.36% | 5.21% | 0.57% |
| Q4 2025 | $381.8M | $250.1M | $315.1M | $107.9M | $11.3M | 3.12% | 5.10% | 0.77% |
| Q3 2025 | $364.0M | $223.1M | $308.7M | $105.3M | $8.8M | 3.27% | 5.06% | 0.56% |
| Q2 2025 | $355.2M | $217.4M | $301.6M | $102.2M | $5.7M | 3.19% | 4.95% | 0.58% |
| Q1 2025 | $352.7M | $215.7M | $301.7M | $99.4M | $2.9M | 3.22% | 4.84% | 0.31% |
| Q4 2024 | $356.0M | $233.8M | $291.8M | $96.6M | $10.6M | 3.07% | 4.43% | 0.09% |
| Q3 2024 | $344.3M | $208.2M | $277.8M | $92.8M | $6.8M | 2.65% | 4.40% | 0.11% |
Loan mix (Q2 2026): real estate $274.3M · commercial $15.2M · consumer $3.6M · securities $28.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 3.38% | 1.24% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 11.2% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 16.9% | 62.9% | 0th |
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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