| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +3.4% | +4.0% | -0.6 pts |
| Loan growth (YoY) | +4.4% | +5.6% | -1.1 pts |
| ROA | 1.17% | 1.24% | -0.1 pts |
| ROE | 11.1% | 11.9% | -0.8 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $118.4M | $105.1M | $53.4M | $12.7M | $691K | 1.17% | 3.35% | 1.01% |
| Q1 2026 | $118.2M | $105.2M | $53.0M | $12.3M | $299K | 1.02% | 3.27% | 0.21% |
| Q4 2025 | $116.6M | $103.5M | $52.3M | $12.5M | $1.1M | 0.95% | 3.10% | 0.25% |
| Q3 2025 | $116.0M | $100.4M | $52.0M | $12.0M | $752K | 0.88% | 3.04% | 0.26% |
| Q2 2025 | $113.7M | $101.7M | $51.1M | $11.4M | $435K | 0.77% | 2.98% | 0.14% |
| Q1 2025 | $113.5M | $102.1M | $51.4M | $10.9M | $204K | 0.72% | 2.95% | 0.23% |
| Q4 2024 | $112.1M | $99.4M | $49.3M | $10.2M | $799K | 0.71% | 2.64% | 0.18% |
| Q3 2024 | $113.6M | $101.3M | $47.6M | $10.8M | $522K | 0.62% | 2.55% | 0.18% |
Loan mix (Q2 2026): real estate $35.0M · commercial $9.1M · consumer $6.5M · securities $57.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 11.9% | 45th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.35% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.6% | 62.9% | 26th |
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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