| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.6% | +4.4% | -1.8 pts |
| Deposit growth (YoY) | +1.7% | +4.0% | -2.3 pts |
| Loan growth (YoY) | +4.3% | +5.6% | -1.3 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 9.9% | 11.9% | -1.9 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $454.4M | $377.8M | $354.3M | $65.7M | $3.2M | 1.41% | 4.61% | 0.37% |
| Q1 2026 | $455.9M | $380.8M | $351.3M | $63.6M | $1.5M | 1.32% | 4.54% | 0.36% |
| Q4 2025 | $442.5M | $370.3M | $347.9M | $62.8M | $6.5M | 1.45% | 4.43% | 0.37% |
| Q3 2025 | $445.7M | $373.9M | $346.3M | $61.7M | $4.6M | 1.38% | 4.32% | 0.42% |
| Q2 2025 | $443.0M | $371.5M | $339.6M | $59.4M | $3.0M | 1.34% | 4.27% | 0.41% |
| Q1 2025 | $452.6M | $381.3M | $336.5M | $58.1M | $1.4M | 1.28% | 4.13% | 0.39% |
| Q4 2024 | $447.8M | $378.1M | $335.6M | $56.6M | $6.1M | 1.44% | 4.25% | 0.25% |
| Q3 2024 | $425.5M | $355.8M | $332.5M | $56.8M | $4.3M | 1.37% | 4.22% | 0.29% |
Loan mix (Q2 2026): real estate $320.6M · commercial $16.6M · consumer $15.2M · securities $49.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 11.9% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.61% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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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