| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +15.4% | +4.9% | +10.5 pts |
| Deposit growth (YoY) | +16.1% | +4.3% | +11.7 pts |
| Loan growth (YoY) | +4.4% | +5.3% | -0.9 pts |
| ROA | 0.61% | 1.28% | -0.7 pts |
| ROE | 6.9% | 12.4% | -5.5 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $577.4M | $525.5M | $230.9M | $50.0M | $1.7M | 0.61% | 3.31% | 2.69% |
| Q1 2026 | $579.7M | $528.5M | $230.7M | $49.6M | $631K | 0.45% | 3.21% | 2.82% |
| Q4 2025 | $549.5M | $497.6M | $225.0M | $50.5M | $2.1M | 0.40% | 3.37% | 3.08% |
| Q3 2025 | $521.7M | $469.5M | $232.3M | $50.2M | $2.2M | 0.59% | 3.41% | 3.18% |
| Q2 2025 | $500.5M | $452.8M | $221.2M | $46.1M | $1.4M | 0.55% | 3.45% | 3.49% |
| Q1 2025 | $501.1M | $454.5M | $215.0M | $44.9M | $528K | 0.43% | 3.43% | 5.02% |
| Q4 2024 | $491.3M | $448.4M | $201.0M | $41.6M | $3.3M | 0.65% | 2.92% | 3.15% |
| Q3 2024 | $514.2M | $434.8M | $208.7M | $46.5M | $2.4M | 0.62% | 2.84% | 2.92% |
Loan mix (Q2 2026): real estate $196.4M · commercial $27.6M · consumer $4.7M · securities $265.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.61% | 1.28% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.31% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.4% | 61.2% | 77th |
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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