| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | +8.0% | +2.5% | +5.5 pts |
| Loan growth (YoY) | +8.0% | +2.6% | +5.4 pts |
| ROA | 0.66% | 0.99% | -0.3 pts |
| ROE | 9.3% | 8.1% | +1.3 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $86.0M | $76.0M | $69.3M | $6.1M | $284K | 0.66% | 3.66% | 0.13% |
| Q1 2026 | $87.4M | $77.5M | $68.0M | $6.1M | $95K | 0.44% | 3.55% | 0.15% |
| Q4 2025 | $85.2M | $73.3M | $67.7M | $6.0M | $502K | 0.61% | 3.55% | 0.00% |
| Q3 2025 | $82.5M | $70.7M | $66.3M | $6.0M | $357K | 0.58% | 3.46% | 0.00% |
| Q2 2025 | $82.0M | $70.4M | $64.2M | $5.8M | $218K | 0.53% | 3.30% | 0.10% |
| Q1 2025 | $82.2M | $70.6M | $63.0M | $5.8M | $113K | 0.55% | 3.12% | 0.03% |
| Q4 2024 | $82.8M | $71.2M | $62.1M | $5.7M | $371K | 0.46% | 2.92% | 0.00% |
| Q3 2024 | $81.2M | $68.4M | $62.9M | $5.8M | $354K | 0.59% | 2.81% | 0.00% |
Loan mix (Q2 2026): real estate $61.6M · commercial $4.2M · consumer $4.1M · securities $6.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 0.99% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 9.3% | 8.1% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.1% | 70.8% | 57th |
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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