| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +5.1% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.3 pts |
| ROA | 1.95% | 1.24% | +0.7 pts |
| ROE | 19.1% | 11.9% | +7.2 pts |
ROA ranks in the 86th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $293.2M | $259.8M | $196.0M | $30.0M | $2.8M | 1.95% | 4.58% | 0.25% |
| Q1 2026 | $285.8M | $256.1M | $185.6M | $28.9M | $1.3M | 1.89% | 4.47% | 0.41% |
| Q4 2025 | $283.9M | $253.8M | $181.6M | $29.3M | $4.6M | 1.62% | 4.22% | 0.41% |
| Q3 2025 | $286.0M | $257.4M | $181.0M | $27.8M | $3.5M | 1.66% | 4.11% | 0.69% |
| Q2 2025 | $280.6M | $247.2M | $180.0M | $26.1M | $2.3M | 1.61% | 4.03% | 0.66% |
| Q1 2025 | $281.2M | $256.4M | $175.6M | $24.2M | $1.0M | 1.47% | 3.89% | 0.79% |
| Q4 2024 | $275.3M | $252.2M | $173.7M | $22.3M | $582K | 0.21% | 3.50% | 0.80% |
| Q3 2024 | $275.3M | $251.4M | $178.1M | $23.1M | $582K | 0.29% | 3.39% | 1.46% |
Loan mix (Q2 2026): real estate $127.5M · commercial $40.9M · consumer $12.6M · securities $71.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 19.1% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.6% | 62.9% | 34th |
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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