| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.0% | +3.0% | +4.0 pts |
| Deposit growth (YoY) | +7.4% | +2.5% | +4.9 pts |
| Loan growth (YoY) | +4.1% | +2.6% | +1.5 pts |
| ROA | 0.58% | 0.99% | -0.4 pts |
| ROE | 7.4% | 8.1% | -0.7 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.2M | $85.4M | $58.4M | $7.6M | $276K | 0.58% | 3.15% | 0.29% |
| Q1 2026 | $94.3M | $83.8M | $57.5M | $7.4M | $104K | 0.44% | 3.05% | 0.13% |
| Q4 2025 | $93.7M | $82.9M | $55.8M | $7.5M | $462K | 0.50% | 2.93% | 0.18% |
| Q3 2025 | $93.0M | $82.4M | $54.3M | $7.3M | $362K | 0.52% | 2.88% | 0.29% |
| Q2 2025 | $89.9M | $79.5M | $56.1M | $7.1M | $224K | 0.49% | 2.83% | 0.40% |
| Q1 2025 | $91.6M | $81.7M | $55.8M | $6.7M | $103K | 0.44% | 2.76% | 0.16% |
| Q4 2024 | $93.7M | $83.8M | $56.7M | $6.5M | $421K | 0.46% | 2.69% | 0.17% |
| Q3 2024 | $88.5M | $78.6M | $56.1M | $6.6M | $279K | 0.41% | 2.70% | 0.20% |
Loan mix (Q2 2026): real estate $49.6M · commercial $5.2M · consumer $3.7M · securities $27.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 0.99% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 7.4% | 8.1% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 70.8% | 64th |
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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