| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +3.0% | +4.3 pts |
| Deposit growth (YoY) | +7.1% | +2.5% | +4.6 pts |
| Loan growth (YoY) | +5.7% | +2.6% | +3.1 pts |
| ROA | 0.89% | 0.99% | -0.1 pts |
| ROE | 9.6% | 8.1% | +1.5 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $67.5M | $59.9M | $30.5M | $6.5M | $306K | 0.89% | 4.05% | 0.69% |
| Q1 2026 | $70.5M | $63.0M | $29.3M | $6.3M | $142K | 0.82% | 3.92% | 0.41% |
| Q4 2025 | $67.2M | $59.7M | $29.1M | $6.4M | $515K | 0.81% | 4.15% | 0.52% |
| Q3 2025 | $62.7M | $55.4M | $29.0M | $6.2M | $348K | 0.74% | 4.17% | 0.37% |
| Q2 2025 | $62.9M | $55.9M | $28.8M | $5.9M | $231K | 0.73% | 4.12% | 0.45% |
| Q1 2025 | $64.5M | $57.7M | $27.8M | $5.6M | $107K | 0.68% | 3.97% | 0.36% |
| Q4 2024 | $62.0M | $55.6M | $26.4M | $5.3M | $486K | 0.78% | 3.96% | 0.12% |
| Q3 2024 | $62.3M | $55.5M | $26.7M | $5.8M | $410K | 0.87% | 3.96% | 0.08% |
Loan mix (Q2 2026): real estate $10.1M · commercial $13.6M · consumer $4.5M · securities $22.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 0.99% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 8.1% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.8% | 70.8% | 54th |
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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