| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.0% | +5.4 pts |
| Deposit growth (YoY) | +8.7% | +2.5% | +6.2 pts |
| Loan growth (YoY) | +0.4% | +2.6% | -2.2 pts |
| ROA | 1.03% | 0.99% | +0.0 pts |
| ROE | 10.9% | 8.1% | +2.8 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $96.6M | $84.4M | $64.5M | $9.5M | $506K | 1.03% | 4.31% | 0.00% |
| Q1 2026 | $98.2M | $86.2M | $66.2M | $9.3M | $261K | 1.06% | 4.19% | 0.21% |
| Q4 2025 | $99.5M | $87.7M | $65.6M | $9.1M | $592K | 0.64% | 4.35% | 0.00% |
| Q3 2025 | $92.6M | $80.9M | $65.0M | $9.0M | $553K | 0.81% | 4.30% | 0.03% |
| Q2 2025 | $89.1M | $77.6M | $64.2M | $8.8M | $330K | 0.72% | 4.17% | 0.03% |
| Q1 2025 | $90.3M | $79.0M | $65.5M | $8.6M | $161K | 0.70% | 4.25% | 0.00% |
| Q4 2024 | $94.3M | $83.3M | $65.0M | $8.4M | $750K | 0.82% | 4.32% | 0.00% |
| Q3 2024 | $93.8M | $82.7M | $65.3M | $8.3M | $655K | 0.97% | 4.34% | 0.00% |
Loan mix (Q2 2026): real estate $60.0M · commercial $1.8M · consumer $2.7M · securities $14.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 0.99% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 8.1% | 67th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.6% | 70.8% | 38th |
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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