| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.4% | +4.4% | +7.0 pts |
| Deposit growth (YoY) | +11.3% | +4.0% | +7.4 pts |
| Loan growth (YoY) | -3.4% | +5.6% | -9.0 pts |
| ROA | 1.38% | 1.24% | +0.1 pts |
| ROE | 13.1% | 11.9% | +1.2 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.1M | $147.4M | $55.3M | $17.8M | $1.1M | 1.38% | 3.62% | 0.57% |
| Q1 2026 | $167.9M | $148.9M | $51.2M | $17.3M | $553K | 1.36% | 3.59% | 0.70% |
| Q4 2025 | $156.5M | $138.0M | $61.2M | $16.8M | $2.3M | 1.53% | 4.19% | 0.62% |
| Q3 2025 | $151.9M | $133.6M | $60.7M | $16.4M | $1.6M | 1.43% | 4.23% | 0.67% |
| Q2 2025 | $150.1M | $132.5M | $57.2M | $15.8M | $1.0M | 1.40% | 4.20% | 0.81% |
| Q1 2025 | $145.0M | $128.0M | $60.4M | $15.2M | $398K | 1.11% | 4.24% | 0.80% |
| Q4 2024 | $142.0M | $125.4M | $62.0M | $14.8M | $2.2M | 1.57% | 4.51% | 1.04% |
| Q3 2024 | $137.9M | $121.7M | $63.0M | $14.4M | $1.5M | 1.47% | 4.52% | 0.72% |
Loan mix (Q2 2026): real estate $13.7M · commercial $4.9M · consumer $6.1M · securities $29.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.38% | 1.24% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 13.1% | 11.9% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.62% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.5% | 62.9% | 15th |
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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