| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.5 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +12.7% | +5.6% | +7.1 pts |
| ROA | 0.83% | 1.24% | -0.4 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 26th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $122.2M | $104.6M | $55.6M | $16.6M | $488K | 0.83% | 3.26% | 0.47% |
| Q1 2026 | $116.9M | $99.9M | $53.9M | $16.0M | $224K | 0.77% | 3.20% | 0.68% |
| Q4 2025 | $114.7M | $97.2M | $51.7M | $16.5M | $978K | 0.84% | 3.13% | 0.40% |
| Q3 2025 | $120.0M | $102.9M | $52.2M | $16.0M | $718K | 0.82% | 3.08% | 0.18% |
| Q2 2025 | $119.9M | $103.7M | $49.4M | $15.1M | $422K | 0.73% | 2.95% | 0.27% |
| Q1 2025 | $116.3M | $101.1M | $47.5M | $14.4M | $148K | 0.52% | 2.81% | 0.27% |
| Q4 2024 | $112.9M | $98.1M | $45.1M | $13.9M | $620K | 0.55% | 2.81% | 0.17% |
| Q3 2024 | $112.5M | $97.0M | $44.7M | $14.6M | $509K | 0.61% | 2.81% | 0.23% |
Loan mix (Q2 2026): real estate $34.8M · commercial $3.9M · consumer $1.3M · securities $50.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 1.24% | 26th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.26% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.7% | 62.9% | 41th |
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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