| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 0.96% | 1.24% | -0.3 pts |
| ROE | 10.1% | 11.9% | -1.8 pts |
ROA ranks in the 33rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $185.6M | $167.0M | $127.9M | $17.8M | $875K | 0.96% | 4.27% | 0.44% |
| Q1 2026 | $177.0M | $158.8M | $126.8M | $17.2M | $420K | 0.93% | 4.30% | 0.57% |
| Q4 2025 | $183.3M | $165.7M | $130.2M | $16.9M | $1.8M | 1.00% | 4.03% | 0.27% |
| Q3 2025 | $181.3M | $164.2M | $125.9M | $16.4M | $1.3M | 0.97% | 3.96% | 0.41% |
| Q2 2025 | $179.4M | $163.0M | $119.2M | $15.7M | $818K | 0.93% | 3.89% | 0.25% |
| Q1 2025 | $178.1M | $162.0M | $116.3M | $15.1M | $438K | 1.00% | 3.85% | 0.01% |
| Q4 2024 | $172.2M | $156.8M | $116.1M | $14.3M | $1.4M | 0.82% | 3.60% | 0.06% |
| Q3 2024 | $166.3M | $151.2M | $113.5M | $14.4M | $1.0M | 0.80% | 3.50% | 0.07% |
Loan mix (Q2 2026): real estate $98.2M · commercial $24.9M · consumer $3.1M · securities $33.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 1.24% | 33th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 11.9% | 39th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.27% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.3% | 62.9% | 62th |
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% |
The full ratio pack is part of CharterBench Pro.