| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.0% | +3.0 pts |
| Deposit growth (YoY) | +8.7% | +2.5% | +6.2 pts |
| Loan growth (YoY) | +9.0% | +2.6% | +6.4 pts |
| ROA | 1.21% | 0.99% | +0.2 pts |
| ROE | 8.0% | 8.1% | -0.1 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $88.5M | $66.5M | $61.8M | $13.0M | $508K | 1.21% | 3.69% | 1.69% |
| Q1 2026 | $83.6M | $67.8M | $57.9M | $12.8M | $265K | 1.29% | 3.65% | 1.64% |
| Q4 2025 | $80.2M | $62.3M | $52.7M | $12.5M | $457K | 0.57% | 3.42% | 1.72% |
| Q3 2025 | $83.0M | $60.4M | $55.5M | $12.5M | $341K | 0.57% | 3.39% | 2.04% |
| Q2 2025 | $83.5M | $61.1M | $56.7M | $12.3M | $289K | 0.74% | 3.40% | 2.31% |
| Q1 2025 | $77.4M | $63.7M | $51.2M | $11.9M | $125K | 0.66% | 3.36% | 1.78% |
| Q4 2024 | $74.8M | $61.2M | $45.9M | $11.5M | $534K | 0.68% | 3.21% | 1.58% |
| Q3 2024 | $79.8M | $61.6M | $47.3M | $12.0M | $440K | 0.74% | 3.18% | 1.79% |
Loan mix (Q2 2026): real estate $27.0M · commercial $8.6M · consumer $2.9M · securities $20.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.21% | 0.99% | 62nd | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 8.1% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 70.8% | 22nd |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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