| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.5% | +4.4% | +3.2 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.4 pts |
| Loan growth (YoY) | +7.1% | +5.6% | +1.5 pts |
| ROA | 1.39% | 1.24% | +0.2 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $150.4M | $131.8M | $111.3M | $16.2M | $1.0M | 1.39% | 3.73% | 0.09% |
| Q1 2026 | $151.1M | $133.0M | $111.5M | $15.8M | $476K | 1.30% | 3.70% | 0.12% |
| Q4 2025 | $142.8M | $124.6M | $113.0M | $15.9M | $1.7M | 1.25% | 3.65% | 0.12% |
| Q3 2025 | $136.9M | $119.2M | $103.6M | $15.4M | $1.2M | 1.20% | 3.64% | 0.14% |
| Q2 2025 | $139.8M | $122.7M | $103.9M | $14.8M | $838K | 1.24% | 3.62% | 0.10% |
| Q1 2025 | $139.0M | $122.4M | $105.1M | $14.3M | $388K | 1.16% | 3.56% | 0.06% |
| Q4 2024 | $127.5M | $109.0M | $101.0M | $14.0M | $1.3M | 0.98% | 3.30% | 0.07% |
| Q3 2024 | $126.2M | $105.6M | $95.6M | $14.4M | $926K | 0.95% | 3.26% | 0.08% |
Loan mix (Q2 2026): real estate $71.5M · commercial $16.6M · consumer $4.2M · securities $24.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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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