| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.1% | +4.4% | -0.3 pts |
| Deposit growth (YoY) | +2.8% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -2.5% | +5.6% | -8.1 pts |
| ROA | 1.81% | 1.24% | +0.6 pts |
| ROE | 11.3% | 11.9% | -0.5 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $224.0M | $186.7M | $142.3M | $36.2M | $2.0M | 1.81% | 4.42% | 0.07% |
| Q1 2026 | $222.3M | $185.8M | $138.7M | $35.0M | $832K | 1.50% | 4.19% | 0.08% |
| Q4 2025 | $222.4M | $185.9M | $141.6M | $35.3M | $4.3M | 2.01% | 4.39% | 0.11% |
| Q3 2025 | $218.5M | $182.9M | $139.8M | $34.4M | $3.6M | 2.23% | 4.45% | 0.10% |
| Q2 2025 | $215.2M | $181.6M | $145.9M | $32.3M | $1.7M | 1.62% | 4.22% | 0.12% |
| Q1 2025 | $213.4M | $180.8M | $145.7M | $31.3M | $994K | 1.90% | 4.34% | 0.14% |
| Q4 2024 | $204.7M | $173.5M | $145.6M | $30.0M | $2.5M | 1.22% | 3.93% | 0.16% |
| Q3 2024 | $211.3M | $180.4M | $141.8M | $29.8M | $1.9M | 1.20% | 3.87% | 0.17% |
Loan mix (Q2 2026): real estate $142.7M · commercial $1.0M · consumer $93K · securities $47.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.81% | 1.24% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 11.9% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.0% | 62.9% | 14th |
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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