| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.3% | +4.4% | +5.9 pts |
| Deposit growth (YoY) | +9.2% | +4.0% | +5.2 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 1.95% | 1.24% | +0.7 pts |
| ROE | 18.1% | 11.9% | +6.2 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 | $114.6M | $101.1M | $49.2M | $12.7M | $1.1M | 1.95% | 4.01% | 0.24% |
| Q1 2026 | $114.2M | $101.5M | $47.7M | $11.9M | $456K | 1.61% | 3.89% | 0.25% |
| Q4 2025 | $112.1M | $99.1M | $47.3M | $12.2M | $2.5M | 2.31% | 3.74% | 0.26% |
| Q3 2025 | $108.8M | $96.4M | $44.6M | $11.4M | $1.2M | 1.54% | 3.72% | 0.25% |
| Q2 2025 | $103.9M | $92.6M | $43.8M | $10.4M | $828K | 1.59% | 3.74% | 0.20% |
| Q1 2025 | $105.6M | $94.8M | $42.6M | $9.9M | $463K | 1.77% | 3.73% | 0.20% |
| Q4 2024 | $103.1M | $93.0M | $43.1M | $9.2M | $1.2M | 1.18% | 3.30% | 0.40% |
| Q3 2024 | $102.3M | $86.4M | $42.4M | $10.3M | $992K | 1.27% | 3.20% | 0.50% |
Loan mix (Q2 2026): real estate $27.3M · commercial $6.0M · consumer $13.0M · securities $49.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.95% | 1.24% | 86th | |
Return on equity Annualized net income ÷ equity or net worth | 18.1% | 11.9% | 82th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.5% | 62.9% | 49th |
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% |
The full ratio pack is part of CharterBench Pro.