| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.0% | -1.4 pts |
| Deposit growth (YoY) | +5.3% | +2.5% | +2.8 pts |
| Loan growth (YoY) | -2.1% | +2.6% | -4.7 pts |
| ROA | 0.82% | 0.99% | -0.2 pts |
| ROE | 9.1% | 8.1% | +1.0 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $83.4M | $74.1M | $44.3M | $7.9M | $355K | 0.82% | 3.94% | 0.72% |
| Q1 2026 | $85.6M | $73.1M | $47.3M | $7.6M | $135K | 0.62% | 3.62% | 2.60% |
| Q4 2025 | $89.6M | $75.2M | $49.4M | $7.9M | $383K | 0.45% | 3.61% | 2.57% |
| Q3 2025 | $79.9M | $69.9M | $42.7M | $7.6M | $301K | 0.48% | 3.62% | 3.33% |
| Q2 2025 | $82.1M | $70.3M | $45.3M | $6.8M | $218K | 0.51% | 3.58% | 3.30% |
| Q1 2025 | $85.4M | $70.9M | $47.4M | $6.5M | $68K | 0.31% | 3.37% | 3.58% |
| Q4 2024 | $87.5M | $73.8M | $46.2M | $6.1M | $236K | 0.28% | 3.31% | 3.37% |
| Q3 2024 | $87.8M | $70.6M | $46.2M | $7.1M | $182K | 0.28% | 3.32% | 3.62% |
Loan mix (Q2 2026): real estate $16.4M · commercial $2.1M · consumer $1.4M · securities $31.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.82% | 0.99% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 8.1% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.94% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 70.8% | 67th |
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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