| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.7% | +4.4% | -2.7 pts |
| Deposit growth (YoY) | +0.4% | +4.0% | -3.6 pts |
| Loan growth (YoY) | +14.5% | +5.6% | +8.9 pts |
| ROA | 2.08% | 1.24% | +0.8 pts |
| ROE | 26.4% | 11.9% | +14.5 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $443.8M | $379.3M | $205.0M | $36.0M | $4.6M | 2.08% | 4.89% | 0.67% |
| Q1 2026 | $443.2M | $378.0M | $193.9M | $34.7M | $2.2M | 2.00% | 4.76% | 0.69% |
| Q4 2025 | $443.0M | $376.8M | $179.5M | $34.5M | $8.0M | 1.90% | 4.64% | 0.69% |
| Q3 2025 | $424.0M | $361.9M | $177.4M | $31.2M | $5.9M | 1.90% | 4.59% | 0.71% |
| Q2 2025 | $436.4M | $377.8M | $179.0M | $27.3M | $3.3M | 1.60% | 4.61% | 0.66% |
| Q1 2025 | $411.5M | $355.4M | $176.6M | $25.8M | $1.1M | 1.10% | 4.48% | 0.61% |
| Q4 2024 | $401.9M | $348.7M | $179.4M | $23.1M | $5.5M | 1.42% | 4.12% | 0.45% |
| Q3 2024 | $391.8M | $334.6M | $166.5M | $25.0M | $4.2M | 1.46% | 4.05% | 0.44% |
Loan mix (Q2 2026): real estate $177.6M · commercial $21.5M · consumer $10.3M · securities $143.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.08% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 26.4% | 11.9% | 97th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.89% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 62.9% | 32th |
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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