| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.0% | -2.4 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.6 pts |
| Loan growth (YoY) | +17.2% | +2.6% | +14.6 pts |
| ROA | 1.55% | 0.99% | +0.6 pts |
| ROE | 10.3% | 8.1% | +2.2 pts |
ROA ranks in the 76th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $50.6M | $42.3M | $18.8M | $8.1M | $411K | 1.55% | 3.18% | 0.38% |
| Q1 2026 | $53.5M | $45.4M | $18.6M | $8.0M | $202K | 1.50% | 3.24% | 0.37% |
| Q4 2025 | $54.6M | $46.4M | $17.5M | $8.0M | $656K | 1.27% | 2.88% | 0.26% |
| Q3 2025 | $48.1M | $39.5M | $17.1M | $8.4M | $474K | 1.24% | 2.92% | 0.46% |
| Q2 2025 | $50.3M | $41.9M | $16.0M | $8.2M | $320K | 1.23% | 2.90% | 0.40% |
| Q1 2025 | $52.4M | $44.3M | $16.1M | $7.9M | $186K | 1.41% | 2.98% | 0.39% |
| Q4 2024 | $53.2M | $45.2M | $15.9M | $7.8M | $903K | 1.77% | 3.40% | 0.41% |
| Q3 2024 | $47.5M | $39.0M | $15.7M | $8.2M | $631K | 1.67% | 3.45% | 0.49% |
Loan mix (Q2 2026): real estate $11.9M · commercial $2.1M · consumer $2.5M · securities $22.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 0.99% | 76th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 8.1% | 63th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.6% | 70.8% | 7th |
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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