| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.5 pts |
| Deposit growth (YoY) | +7.1% | +4.0% | +3.1 pts |
| Loan growth (YoY) | -4.3% | +5.6% | -9.9 pts |
| ROA | 1.80% | 1.24% | +0.6 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $337.1M | $285.9M | $152.1M | $50.3M | $3.0M | 1.80% | 3.58% | 0.01% |
| Q1 2026 | $333.4M | $282.3M | $157.2M | $49.8M | $1.4M | 1.69% | 3.57% | 0.01% |
| Q4 2025 | $321.3M | $268.6M | $167.8M | $50.2M | $5.6M | 1.75% | 3.59% | 0.01% |
| Q3 2025 | $316.0M | $265.8M | $166.2M | $49.2M | $4.2M | 1.76% | 3.54% | 0.02% |
| Q2 2025 | $315.4M | $267.0M | $159.0M | $47.5M | $2.8M | 1.76% | 3.48% | 0.02% |
| Q1 2025 | $313.8M | $265.2M | $153.4M | $47.2M | $1.4M | 1.77% | 3.43% | 0.02% |
| Q4 2024 | $323.4M | $276.2M | $170.7M | $46.1M | $5.4M | 1.70% | 3.52% | 0.02% |
| Q3 2024 | $325.5M | $278.1M | $168.4M | $46.4M | $4.0M | 1.71% | 3.52% | 0.02% |
Loan mix (Q2 2026): real estate $89.8M · commercial $20.5M · consumer $3.1M · securities $167.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.58% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.6% | 62.9% | 5th |
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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