| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +3.0% | +0.0 pts |
| Deposit growth (YoY) | +6.1% | +2.5% | +3.6 pts |
| Loan growth (YoY) | +5.9% | +2.6% | +3.3 pts |
| ROA | 1.12% | 0.99% | +0.1 pts |
| ROE | 12.0% | 8.1% | +3.9 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $97.6M | $80.9M | $81.2M | $9.0M | $541K | 1.12% | 3.95% | 0.56% |
| Q1 2026 | $96.6M | $79.7M | $79.7M | $9.1M | $269K | 1.12% | 3.83% | 0.34% |
| Q4 2025 | $95.1M | $77.9M | $77.1M | $9.0M | $1.1M | 1.14% | 3.71% | 0.49% |
| Q3 2025 | $94.8M | $77.0M | $77.0M | $8.9M | $725K | 1.03% | 3.61% | 0.35% |
| Q2 2025 | $94.7M | $76.3M | $76.7M | $8.5M | $430K | 0.92% | 3.49% | 0.35% |
| Q1 2025 | $93.8M | $76.3M | $74.8M | $8.5M | $221K | 0.95% | 3.38% | 0.54% |
| Q4 2024 | $93.3M | $78.8M | $74.6M | $8.2M | $612K | 0.66% | 2.98% | 0.51% |
| Q3 2024 | $93.0M | $76.1M | $73.6M | $8.5M | $453K | 0.66% | 2.89% | 0.70% |
Loan mix (Q2 2026): real estate $64.6M · commercial $6.5M · consumer $2.3M · securities $9.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 0.99% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 8.1% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.8% | 70.8% | 50th |
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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