| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.4 pts |
| Loan growth (YoY) | +12.6% | +5.6% | +7.1 pts |
| ROA | 2.14% | 1.24% | +0.9 pts |
| ROE | 19.3% | 11.9% | +7.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $114.7M | $100.8M | $60.5M | $12.4M | $1.2M | 2.14% | 4.14% | 1.12% |
| Q1 2026 | $115.3M | $102.0M | $59.3M | $12.8M | $592K | 2.11% | 4.07% | 1.13% |
| Q4 2025 | $109.1M | $96.4M | $54.9M | $12.2M | $2.5M | 2.24% | 4.14% | 1.20% |
| Q3 2025 | $112.0M | $98.9M | $54.1M | $12.7M | $1.9M | 2.32% | 4.12% | 1.28% |
| Q2 2025 | $110.7M | $97.3M | $53.7M | $12.0M | $1.2M | 2.27% | 4.10% | 1.02% |
| Q1 2025 | $108.4M | $95.6M | $52.4M | $12.4M | $596K | 2.18% | 4.03% | 0.88% |
| Q4 2024 | $110.3M | $98.2M | $51.2M | $11.8M | $2.5M | 2.32% | 4.13% | 0.79% |
| Q3 2024 | $110.1M | $97.7M | $49.5M | $12.1M | $1.9M | 2.29% | 4.06% | 0.92% |
Loan mix (Q2 2026): real estate $55.8M · commercial $2.1M · consumer $2.8M · securities $35.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.14% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 19.3% | 11.9% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.5% | 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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