| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +4.8% | +4.0% | +0.8 pts |
| Loan growth (YoY) | +6.6% | +5.6% | +1.0 pts |
| ROA | 1.30% | 1.24% | +0.1 pts |
| ROE | 9.7% | 11.9% | -2.1 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $373.5M | $296.6M | $314.4M | $50.5M | $2.4M | 1.30% | 5.15% | 0.72% |
| Q1 2026 | $366.0M | $291.9M | $310.6M | $49.2M | $1.1M | 1.22% | 5.12% | 0.70% |
| Q4 2025 | $366.0M | $288.9M | $308.4M | $48.1M | $3.9M | 1.13% | 5.09% | 0.62% |
| Q3 2025 | $353.1M | $281.2M | $303.3M | $46.1M | $3.2M | 1.22% | 5.10% | 0.55% |
| Q2 2025 | $347.8M | $283.0M | $294.9M | $45.0M | $2.2M | 1.27% | 5.04% | 0.56% |
| Q1 2025 | $341.2M | $272.8M | $291.7M | $43.8M | $965K | 1.13% | 4.97% | 0.44% |
| Q4 2024 | $339.1M | $261.6M | $290.9M | $42.8M | $3.1M | 0.93% | 4.81% | 0.47% |
| Q3 2024 | $333.8M | $256.8M | $286.2M | $41.5M | $2.4M | 0.97% | 4.77% | 0.38% |
Loan mix (Q2 2026): real estate $309.9M · commercial $312K · consumer $5.5M · securities $2.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.30% | 1.24% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 9.7% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.7% | 62.9% | 63th |
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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