| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +4.4% | -1.3 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 2.33% | 1.24% | +1.1 pts |
| ROE | 12.4% | 11.9% | +0.5 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $229.1M | $182.7M | $151.0M | $44.2M | $2.7M | 2.33% | 5.12% | 0.13% |
| Q1 2026 | $226.7M | $182.0M | $144.2M | $42.9M | $1.3M | 2.34% | 4.91% | 0.11% |
| Q4 2025 | $226.5M | $183.0M | $143.6M | $41.6M | $4.9M | 2.21% | 5.11% | 0.15% |
| Q3 2025 | $223.0M | $179.9M | $144.3M | $41.0M | $3.8M | 2.30% | 5.12% | 0.07% |
| Q2 2025 | $222.2M | $180.8M | $139.6M | $39.3M | $2.6M | 2.30% | 5.07% | 0.15% |
| Q1 2025 | $224.6M | $184.7M | $133.7M | $38.1M | $1.3M | 2.35% | 4.91% | 0.11% |
| Q4 2024 | $219.7M | $181.4M | $134.4M | $36.6M | $4.8M | 2.29% | 5.08% | 0.09% |
| Q3 2024 | $207.9M | $169.2M | $135.5M | $36.4M | $3.6M | 2.34% | 5.14% | 0.27% |
Loan mix (Q2 2026): real estate $102.8M · commercial $12.9M · consumer $25.1M · securities $25.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 1.24% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.0% | 62.9% | 11th |
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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