| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +3.0% | +0.3 pts |
| Deposit growth (YoY) | +2.0% | +2.5% | -0.5 pts |
| Loan growth (YoY) | +2.3% | +2.6% | -0.4 pts |
| ROA | 0.83% | 0.99% | -0.2 pts |
| ROE | 12.9% | 8.1% | +4.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $92.8M | $86.0M | $45.1M | $5.8M | $388K | 0.83% | 4.33% | 0.22% |
| Q1 2026 | $91.0M | $84.1M | $43.9M | $6.1M | $199K | 0.85% | 4.35% | 0.22% |
| Q4 2025 | $97.3M | $90.5M | $45.7M | $6.1M | $913K | 1.00% | 4.12% | 0.24% |
| Q3 2025 | $93.0M | $86.3M | $43.9M | $5.7M | $663K | 0.99% | 4.09% | 0.24% |
| Q2 2025 | $89.8M | $84.4M | $44.1M | $4.6M | $371K | 0.84% | 4.07% | 0.40% |
| Q1 2025 | $90.3M | $84.7M | $43.8M | $4.8M | $204K | 0.93% | 3.86% | 0.44% |
| Q4 2024 | $85.4M | $80.5M | $42.2M | $4.2M | $853K | 0.97% | 3.82% | 0.48% |
| Q3 2024 | $90.9M | $84.9M | $42.9M | $5.2M | $598K | 0.90% | 3.71% | 0.27% |
Loan mix (Q2 2026): real estate $34.1M · commercial $1.7M · consumer $9.1M · securities $35.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.83% | 0.99% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 8.1% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.33% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.7% | 70.8% | 72th |
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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