| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.1% | +4.4% | -6.5 pts |
| Deposit growth (YoY) | -4.4% | +4.0% | -8.3 pts |
| Loan growth (YoY) | -3.0% | +5.6% | -8.6 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 22.1% | 11.9% | +10.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $294.0M | $265.0M | $151.3M | $28.6M | $3.1M | 2.12% | 3.92% | 0.34% |
| Q1 2026 | $293.7M | $263.9M | $157.8M | $28.1M | $1.5M | 2.09% | 3.88% | 0.57% |
| Q4 2025 | $294.3M | $264.3M | $160.4M | $27.9M | $6.6M | 2.19% | 3.95% | 1.04% |
| Q3 2025 | $295.5M | $268.0M | $160.1M | $27.1M | $5.2M | 2.27% | 3.92% | 0.22% |
| Q2 2025 | $300.2M | $277.1M | $155.9M | $22.7M | $3.3M | 2.17% | 3.83% | 0.50% |
| Q1 2025 | $305.4M | $279.6M | $155.0M | $23.9M | $1.7M | 2.16% | 3.74% | 0.44% |
| Q4 2024 | $311.8M | $286.3M | $152.1M | $22.9M | $6.6M | 2.12% | 3.70% | 0.50% |
| Q3 2024 | $314.2M | $285.6M | $147.2M | $28.0M | $5.2M | 2.21% | 3.69% | 0.58% |
Loan mix (Q2 2026): real estate $94.7M · commercial $30.0M · consumer $1.6M · securities $105.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 11.9% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.92% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.9% | 62.9% | 16th |
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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