| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.4% | +3.5 pts |
| Deposit growth (YoY) | +0.9% | +4.0% | -3.0 pts |
| Loan growth (YoY) | +5.6% | +5.6% | +0.0 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 17.8% | 11.9% | +5.9 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $178.2M | $139.6M | $129.6M | $16.3M | $1.4M | 1.57% | 3.75% | 1.27% |
| Q1 2026 | $175.3M | $143.9M | $128.7M | $15.6M | $752K | 1.70% | 3.65% | 0.92% |
| Q4 2025 | $178.3M | $158.2M | $127.3M | $15.0M | $1.9M | 1.12% | 3.54% | 0.23% |
| Q3 2025 | $173.8M | $151.5M | $123.0M | $16.1M | $1.7M | 1.40% | 3.47% | 1.38% |
| Q2 2025 | $165.1M | $138.3M | $122.8M | $15.4M | $1.1M | 1.42% | 3.44% | 1.98% |
| Q1 2025 | $161.7M | $142.3M | $113.7M | $14.6M | $545K | 1.37% | 3.33% | 0.40% |
| Q4 2024 | $157.0M | $138.2M | $112.2M | $13.8M | $1.2M | 0.72% | 3.08% | 0.17% |
| Q3 2024 | $156.7M | $136.3M | $112.4M | $14.7M | $939K | 0.78% | 3.01% | 0.33% |
Loan mix (Q2 2026): real estate $79.6M · commercial $15.1M · consumer $7.5M · securities $18.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 17.8% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.75% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.0% | 62.9% | 18th |
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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