| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.6% | +4.4% | -0.8 pts |
| Deposit growth (YoY) | +0.8% | +4.0% | -3.1 pts |
| Loan growth (YoY) | +12.2% | +5.6% | +6.6 pts |
| ROA | 0.66% | 1.24% | -0.6 pts |
| ROE | 9.4% | 11.9% | -2.4 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $300.0M | $250.8M | $199.5M | $21.7M | $1.0M | 0.66% | 3.37% | 0.00% |
| Q1 2026 | $299.4M | $257.1M | $194.7M | $20.7M | $433K | 0.57% | 3.30% | 0.00% |
| Q4 2025 | $303.3M | $260.3M | $184.5M | $21.3M | $1.4M | 0.48% | 3.12% | 0.00% |
| Q3 2025 | $299.9M | $257.3M | $182.6M | $20.7M | $948K | 0.44% | 3.05% | 0.01% |
| Q2 2025 | $289.5M | $248.8M | $177.8M | $19.3M | $562K | 0.39% | 3.01% | 0.01% |
| Q1 2025 | $287.9M | $249.2M | $174.1M | $17.4M | $210K | 0.30% | 2.92% | 0.00% |
| Q4 2024 | $281.2M | $243.6M | $170.9M | $16.2M | $806K | 0.29% | 2.80% | 0.00% |
| Q3 2024 | $284.1M | $234.1M | $171.1M | $18.0M | $494K | 0.24% | 2.74% | 0.00% |
Loan mix (Q2 2026): real estate $155.0M · commercial $12.4M · consumer $5.5M · securities $86.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.4% | 11.9% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.0% | 62.9% | 81th |
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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