| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.7% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +9.7% | +4.0% | +5.8 pts |
| Loan growth (YoY) | +9.1% | +5.6% | +3.5 pts |
| ROA | 1.37% | 1.24% | +0.1 pts |
| ROE | 12.5% | 11.9% | +0.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $101.2M | $83.9M | $59.5M | $11.4M | $694K | 1.37% | 3.98% | 0.43% |
| Q1 2026 | $102.5M | $85.7M | $55.4M | $10.9M | $197K | 0.78% | 3.83% | 0.46% |
| Q4 2025 | $99.3M | $82.5M | $52.5M | $11.0M | $1.1M | 1.15% | 3.97% | 0.47% |
| Q3 2025 | $94.9M | $77.4M | $53.8M | $10.7M | $753K | 1.09% | 3.98% | 0.49% |
| Q2 2025 | $93.1M | $76.4M | $54.5M | $9.9M | $475K | 1.04% | 3.97% | 0.51% |
| Q1 2025 | $92.1M | $75.8M | $50.8M | $9.5M | $226K | 0.99% | 3.89% | 0.53% |
| Q4 2024 | $89.8M | $74.2M | $49.1M | $8.9M | $974K | 1.10% | 3.79% | 0.54% |
| Q3 2024 | $88.0M | $71.1M | $49.9M | $9.7M | $731K | 1.10% | 3.77% | 0.56% |
Loan mix (Q2 2026): real estate $29.7M · commercial $9.7M · consumer $2.8M · securities $36.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.37% | 1.24% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 12.5% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.98% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 62.9% | 10th |
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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