| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +4.4% | -3.8 pts |
| Deposit growth (YoY) | +0.1% | +4.0% | -3.9 pts |
| Loan growth (YoY) | -2.4% | +5.6% | -8.0 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 15.7% | 11.9% | +3.8 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.7M | $112.4M | $95.2M | $18.9M | $1.4M | 2.12% | 4.58% | 0.07% |
| Q1 2026 | $135.5M | $112.9M | $97.4M | $18.2M | $706K | 2.06% | 4.47% | 0.09% |
| Q4 2025 | $138.8M | $116.5M | $96.7M | $17.9M | $2.5M | 1.83% | 4.22% | 0.04% |
| Q3 2025 | $137.5M | $115.6M | $100.4M | $17.4M | $1.8M | 1.77% | 4.18% | 0.04% |
| Q2 2025 | $132.9M | $112.3M | $97.6M | $16.0M | $1.2M | 1.71% | 4.09% | 0.05% |
| Q1 2025 | $136.9M | $115.5M | $96.2M | $15.9M | $542K | 1.57% | 3.96% | 0.05% |
| Q4 2024 | $138.7M | $117.5M | $97.1M | $15.5M | $1.7M | 1.28% | 3.72% | 0.05% |
| Q3 2024 | $136.0M | $112.6M | $90.9M | $16.4M | $1.3M | 1.25% | 3.60% | 0.06% |
Loan mix (Q2 2026): real estate $84.4M · commercial $8.8M · consumer $2.9M · securities $23.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 11.9% | 72th | |
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 | 55.5% | 62.9% | 28th |
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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