| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.8% | +3.0% | +6.8 pts |
| Deposit growth (YoY) | +8.9% | +2.5% | +6.4 pts |
| Loan growth (YoY) | +9.8% | +2.6% | +7.2 pts |
| ROA | 1.12% | 0.99% | +0.1 pts |
| ROE | 13.4% | 8.1% | +5.4 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $91.3M | $80.1M | $38.5M | $7.7M | $522K | 1.12% | 2.65% | 0.08% |
| Q1 2026 | $92.1M | $80.7M | $37.9M | $7.9M | $277K | 1.18% | 2.64% | 0.11% |
| Q4 2025 | $96.3M | $85.3M | $40.1M | $7.6M | $789K | 0.90% | 2.53% | 0.10% |
| Q3 2025 | $86.0M | $75.3M | $35.6M | $7.2M | $540K | 0.84% | 2.50% | 0.12% |
| Q2 2025 | $83.1M | $73.6M | $35.1M | $6.1M | $352K | 0.82% | 2.50% | 0.13% |
| Q1 2025 | $87.8M | $78.3M | $35.5M | $6.1M | $185K | 0.85% | 2.51% | 0.37% |
| Q4 2024 | $86.2M | $76.0M | $38.2M | $5.6M | $687K | 0.82% | 2.52% | 0.03% |
| Q3 2024 | $85.3M | $74.2M | $36.6M | $6.4M | $501K | 0.80% | 2.52% | 0.03% |
Loan mix (Q2 2026): real estate $26.4M · commercial $1.1M · consumer $693K · 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 | 1.12% | 0.99% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 8.1% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.65% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 70.8% | 18th |
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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