| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +5.3% | +4.0% | +1.3 pts |
| Loan growth (YoY) | +6.1% | +5.6% | +0.5 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 6.0% | 11.9% | -5.8 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $245.0M | $194.4M | $190.1M | $42.5M | $1.3M | 1.03% | 3.64% | 0.90% |
| Q1 2026 | $247.8M | $195.8M | $194.6M | $41.6M | $400K | 0.66% | 3.50% | 1.20% |
| Q4 2025 | $240.4M | $188.3M | $192.0M | $41.2M | $1.2M | 0.54% | 3.51% | 1.29% |
| Q3 2025 | $235.3M | $185.9M | $185.2M | $40.8M | $798K | 0.46% | 3.47% | 1.28% |
| Q2 2025 | $232.9M | $184.6M | $179.2M | $40.2M | $499K | 0.44% | 3.47% | 1.13% |
| Q1 2025 | $227.6M | $179.3M | $177.9M | $39.9M | $221K | 0.39% | 3.44% | 1.15% |
| Q4 2024 | $222.6M | $174.6M | $173.6M | $39.5M | $999K | 0.46% | 3.32% | 1.39% |
| Q3 2024 | $220.6M | $172.2M | $171.1M | $39.5M | $746K | 0.46% | 3.33% | 0.99% |
Loan mix (Q2 2026): real estate $159.4M · commercial $25.6M · consumer $4.6M · securities $20.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.64% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.7% | 62.9% | 61th |
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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