| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.6% | +4.4% | +0.3 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.1 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.1M | $172.3M | $81.6M | $14.0M | $1.2M | 1.33% | 3.62% | 0.19% |
| Q1 2026 | $184.7M | $169.9M | $91.5M | $14.0M | $645K | 1.42% | 3.65% | 0.22% |
| Q4 2025 | $179.7M | $164.2M | $90.0M | $13.5M | $2.0M | 1.12% | 3.54% | 0.23% |
| Q3 2025 | $181.8M | $167.9M | $80.6M | $13.1M | $1.5M | 1.14% | 3.54% | 0.28% |
| Q2 2025 | $178.8M | $167.5M | $79.4M | $10.5M | $968K | 1.10% | 3.51% | 0.42% |
| Q1 2025 | $175.2M | $159.0M | $86.3M | $10.4M | $478K | 1.09% | 3.50% | 0.42% |
| Q4 2024 | $174.4M | $155.3M | $85.8M | $9.3M | $1.3M | 0.76% | 3.14% | 0.50% |
| Q3 2024 | $173.5M | $157.5M | $82.1M | $11.7M | $956K | 0.72% | 3.10% | 0.57% |
Loan mix (Q2 2026): real estate $58.0M · commercial $3.5M · consumer $2.3M · securities $86.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
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 | 65.1% | 62.9% | 57th |
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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