| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.5 pts |
| Deposit growth (YoY) | +6.7% | +4.0% | +2.8 pts |
| Loan growth (YoY) | +0.8% | +5.6% | -4.8 pts |
| ROA | 1.56% | 1.24% | +0.3 pts |
| ROE | 14.2% | 11.9% | +2.3 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.7M | $147.7M | $105.6M | $19.0M | $1.3M | 1.56% | 4.96% | 1.44% |
| Q1 2026 | $170.7M | $151.3M | $96.1M | $18.6M | $577K | 1.36% | 4.63% | 1.36% |
| Q4 2025 | $169.9M | $150.4M | $95.5M | $18.2M | $2.7M | 1.61% | 4.75% | 1.76% |
| Q3 2025 | $171.1M | $152.3M | $99.6M | $17.8M | $1.8M | 1.47% | 4.60% | 2.20% |
| Q2 2025 | $161.4M | $138.4M | $104.8M | $17.1M | $1.2M | 1.50% | 4.64% | 1.91% |
| Q1 2025 | $157.5M | $135.2M | $99.7M | $16.5M | $538K | 1.33% | 4.41% | 1.97% |
| Q4 2024 | $167.0M | $139.1M | $100.8M | $16.1M | $2.4M | 1.47% | 4.75% | 0.03% |
| Q3 2024 | $172.4M | $144.9M | $101.3M | $16.0M | $1.7M | 1.45% | 4.69% | 0.02% |
Loan mix (Q2 2026): real estate $78.1M · commercial $16.3M · consumer $256K · securities $18.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.56% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 11.9% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.96% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.2% | 62.9% | 62th |
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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