| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 1.97% | 1.24% | +0.7 pts |
| ROE | 20.9% | 11.9% | +9.0 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 | $367.8M | $328.0M | $226.0M | $35.3M | $3.6M | 1.97% | 4.57% | 0.17% |
| Q1 2026 | $367.9M | $329.9M | $220.4M | $33.6M | $1.7M | 1.91% | 4.46% | 0.11% |
| Q4 2025 | $357.5M | $319.3M | $211.9M | $33.9M | $6.0M | 1.76% | 4.47% | 0.53% |
| Q3 2025 | $347.9M | $310.5M | $209.9M | $32.8M | $5.0M | 1.94% | 4.45% | 0.46% |
| Q2 2025 | $342.6M | $308.1M | $206.7M | $30.0M | $3.3M | 1.97% | 4.41% | 0.19% |
| Q1 2025 | $340.4M | $307.0M | $198.3M | $28.9M | $1.7M | 1.99% | 4.30% | 0.31% |
| Q4 2024 | $327.5M | $295.7M | $198.0M | $27.4M | $5.3M | 1.64% | 4.01% | 0.17% |
| Q3 2024 | $321.6M | $287.8M | $194.5M | $29.1M | $4.1M | 1.70% | 3.96% | 0.12% |
Loan mix (Q2 2026): real estate $206.0M · commercial $11.4M · consumer $11.8M · securities $96.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.97% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 20.9% | 11.9% | 90th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.7% | 62.9% | 24th |
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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