| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.4% | +6.0 pts |
| Deposit growth (YoY) | +10.9% | +4.0% | +7.0 pts |
| Loan growth (YoY) | +0.4% | +5.6% | -5.2 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 8.3% | 11.9% | -3.5 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $175.6M | $148.5M | $24.5M | $26.4M | $1.1M | 1.28% | 2.35% | 0.00% |
| Q1 2026 | $169.0M | $142.4M | $22.6M | $25.8M | $525K | 1.26% | 2.27% | 0.00% |
| Q4 2025 | $164.4M | $137.9M | $24.9M | $25.8M | $1.2M | 0.73% | 2.14% | 0.00% |
| Q3 2025 | $165.4M | $138.2M | $25.6M | $26.4M | $934K | 0.77% | 2.06% | 0.04% |
| Q2 2025 | $159.1M | $133.8M | $24.4M | $24.6M | $552K | 0.69% | 2.02% | 0.00% |
| Q1 2025 | $159.7M | $134.5M | $22.1M | $24.6M | $260K | 0.65% | 1.95% | 0.00% |
| Q4 2024 | $159.2M | $135.2M | $25.3M | $23.3M | $-272K | -0.17% | 1.81% | 0.00% |
| Q3 2024 | $156.8M | $123.8M | $27.5M | $26.5M | $-313K | -0.26% | 1.78% | 0.01% |
Loan mix (Q2 2026): real estate $8.9M · commercial $4.5M · consumer $754K · securities $127.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 8.3% | 11.9% | 28th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.1% | 62.9% | 29th |
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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