| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.4% | +3.9 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.1 pts |
| Loan growth (YoY) | +11.9% | +5.6% | +6.3 pts |
| ROA | 1.05% | 1.24% | -0.2 pts |
| ROE | 8.7% | 11.9% | -3.2 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $155.6M | $135.7M | $126.5M | $18.7M | $795K | 1.05% | 5.60% | 1.02% |
| Q1 2026 | $147.2M | $127.9M | $118.3M | $18.4M | $341K | 0.92% | 5.42% | 1.00% |
| Q4 2025 | $149.7M | $130.7M | $118.0M | $18.1M | $2.3M | 1.61% | 5.77% | 1.13% |
| Q3 2025 | $150.4M | $132.0M | $115.8M | $17.1M | $1.2M | 1.10% | 5.53% | 0.94% |
| Q2 2025 | $143.7M | $125.6M | $113.0M | $16.7M | $743K | 1.04% | 5.49% | 1.21% |
| Q1 2025 | $142.3M | $124.6M | $110.9M | $16.5M | $467K | 1.31% | 5.53% | 0.47% |
| Q4 2024 | $143.1M | $125.8M | $104.0M | $16.1M | $1.3M | 0.90% | 5.04% | 0.27% |
| Q3 2024 | $145.8M | $129.1M | $104.7M | $15.9M | $925K | 0.88% | 5.03% | 0.27% |
Loan mix (Q2 2026): real estate $81.4M · commercial $18.1M · consumer $13.6M · securities $5.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.05% | 1.24% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 8.7% | 11.9% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.60% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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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