| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +4.6% | +4.0% | +0.6 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 20.9% | 11.9% | +9.0 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $138.2M | $128.1M | $93.0M | $9.7M | $978K | 1.50% | 3.98% | 0.17% |
| Q1 2026 | $128.0M | $118.3M | $91.8M | $9.3M | $429K | 1.35% | 4.04% | 0.21% |
| Q4 2025 | $125.4M | $115.9M | $92.9M | $9.2M | $1.6M | 1.28% | 3.83% | 0.25% |
| Q3 2025 | $124.3M | $115.1M | $90.7M | $8.7M | $1.2M | 1.27% | 3.73% | 0.32% |
| Q2 2025 | $131.1M | $122.5M | $88.7M | $8.2M | $757K | 1.16% | 3.65% | 0.31% |
| Q1 2025 | $136.2M | $128.3M | $87.9M | $7.5M | $331K | 1.01% | 3.47% | 0.80% |
| Q4 2024 | $125.7M | $118.6M | $93.3M | $6.8M | $1.2M | 0.93% | 3.41% | 0.99% |
| Q3 2024 | $128.7M | $111.0M | $90.9M | $7.3M | $865K | 0.91% | 3.36% | 1.05% |
Loan mix (Q2 2026): real estate $68.3M · commercial $20.1M · consumer $3.0M · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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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