| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +4.4% | -3.5 pts |
| Deposit growth (YoY) | +2.3% | +4.0% | -1.6 pts |
| Loan growth (YoY) | +5.9% | +5.6% | +0.3 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 14.0% | 11.9% | +2.2 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $287.7M | $252.9M | $209.4M | $28.4M | $1.9M | 1.33% | 2.72% | 0.72% |
| Q1 2026 | $294.8M | $261.2M | $210.6M | $27.4M | $890K | 1.22% | 2.64% | 0.40% |
| Q4 2025 | $290.7M | $255.0M | $207.0M | $27.1M | $3.1M | 1.06% | 2.35% | 0.37% |
| Q3 2025 | $290.3M | $254.9M | $196.7M | $26.9M | $2.3M | 1.04% | 2.28% | 0.35% |
| Q2 2025 | $285.2M | $247.2M | $197.8M | $24.5M | $1.3M | 0.93% | 2.20% | 0.39% |
| Q1 2025 | $291.2M | $249.9M | $202.4M | $24.2M | $692K | 0.95% | 2.18% | 0.53% |
| Q4 2024 | $290.9M | $246.4M | $199.0M | $22.8M | $1.9M | 0.65% | 1.76% | 0.46% |
| Q3 2024 | $284.9M | $243.1M | $192.2M | $23.3M | $1.3M | 0.62% | 1.67% | 0.33% |
Loan mix (Q2 2026): real estate $133.9M · commercial $18.4M · consumer $4.3M · securities $67.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.72% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.3% | 62.9% | 9th |
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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