| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +3.8% | +5.6% | -1.8 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $203.9M | $175.1M | $104.5M | $27.5M | $1.3M | 1.30% | 4.46% | 1.03% |
| Q1 2026 | $212.5M | $184.4M | $104.5M | $27.4M | $669K | 1.29% | 4.39% | 0.77% |
| Q4 2025 | $202.6M | $173.9M | $105.5M | $27.3M | $2.6M | 1.30% | 4.43% | 0.98% |
| Q3 2025 | $201.0M | $173.1M | $102.2M | $27.1M | $2.0M | 1.33% | 4.40% | 0.91% |
| Q2 2025 | $197.3M | $171.4M | $100.7M | $25.0M | $1.2M | 1.18% | 4.36% | 0.62% |
| Q1 2025 | $208.9M | $183.6M | $99.8M | $25.1M | $635K | 1.24% | 4.27% | 0.62% |
| Q4 2024 | $199.4M | $174.7M | $98.9M | $23.7M | $-248K | -0.12% | 3.83% | 0.81% |
| Q3 2024 | $196.3M | $168.5M | $97.0M | $25.1M | $-896K | -0.60% | 3.70% | 1.22% |
Loan mix (Q2 2026): real estate $81.6M · commercial $9.5M · consumer $14.6M · securities $90.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.4% | 62.9% | 58th |
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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