| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +12.6% | +3.0% | +9.6 pts |
| Deposit growth (YoY) | +14.0% | +2.5% | +11.5 pts |
| Loan growth (YoY) | +10.0% | +2.6% | +7.4 pts |
| ROA | 1.04% | 0.99% | +0.0 pts |
| ROE | 7.0% | 8.1% | -1.0 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $87.7M | $74.5M | $41.9M | $12.6M | $435K | 1.04% | 2.84% | 0.00% |
| Q1 2026 | $83.9M | $70.7M | $40.9M | $12.3M | $198K | 0.97% | 2.79% | 0.00% |
| Q4 2025 | $80.1M | $67.2M | $42.5M | $12.1M | $565K | 0.71% | 2.54% | 0.00% |
| Q3 2025 | $79.3M | $66.4M | $38.5M | $12.3M | $414K | 0.69% | 2.47% | 0.00% |
| Q2 2025 | $77.9M | $65.4M | $38.1M | $12.0M | $269K | 0.67% | 2.41% | 0.00% |
| Q1 2025 | $80.6M | $68.2M | $37.9M | $11.7M | $128K | 0.63% | 2.25% | 0.00% |
| Q4 2024 | $82.0M | $70.0M | $38.0M | $11.4M | $228K | 0.28% | 1.84% | 0.00% |
| Q3 2024 | $78.6M | $66.4M | $33.8M | $11.7M | $192K | 0.32% | 1.80% | 0.00% |
Loan mix (Q2 2026): real estate $26.3M · commercial $4.7M · consumer $1.6M · securities $25.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 0.99% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 7.0% | 8.1% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.84% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.0% | 70.8% | 12th |
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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