| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.3% | +4.4% | +0.9 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.7 pts |
| ROA | 1.58% | 1.24% | +0.3 pts |
| ROE | 13.4% | 11.9% | +1.6 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $388.8M | $339.7M | $246.9M | $46.4M | $3.1M | 1.58% | 3.74% | 0.09% |
| Q1 2026 | $393.8M | $344.7M | $241.3M | $46.5M | $1.5M | 1.49% | 3.63% | 0.00% |
| Q4 2025 | $394.0M | $345.2M | $236.4M | $45.6M | $4.9M | 1.28% | 3.51% | 0.00% |
| Q3 2025 | $388.1M | $340.7M | $233.7M | $44.8M | $3.8M | 1.34% | 3.44% | 0.02% |
| Q2 2025 | $369.2M | $325.2M | $228.1M | $42.5M | $2.4M | 1.30% | 3.38% | 0.02% |
| Q1 2025 | $376.2M | $333.0M | $219.9M | $41.8M | $1.2M | 1.25% | 3.26% | 0.02% |
| Q4 2024 | $377.1M | $335.8M | $220.4M | $39.8M | $4.1M | 1.10% | 3.14% | 0.02% |
| Q3 2024 | $373.4M | $324.3M | $215.8M | $42.6M | $2.9M | 1.07% | 3.08% | 0.00% |
Loan mix (Q2 2026): real estate $217.2M · commercial $17.0M · consumer $4.7M · securities $108.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 13.4% | 11.9% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.9% | 62.9% | 28th |
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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