| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +4.4% | -2.3 pts |
| Deposit growth (YoY) | +1.5% | +4.0% | -2.4 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.1 pts |
| ROA | 2.24% | 1.24% | +1.0 pts |
| ROE | 29.8% | 11.9% | +17.9 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $149.8M | $136.9M | $96.3M | $11.4M | $1.7M | 2.24% | 4.38% | 0.59% |
| Q1 2026 | $149.4M | $136.8M | $94.2M | $11.3M | $763K | 2.06% | 4.23% | 0.59% |
| Q4 2025 | $147.0M | $134.9M | $92.1M | $10.8M | $2.5M | 1.76% | 4.15% | 0.36% |
| Q3 2025 | $145.1M | $131.8M | $90.0M | $11.9M | $2.1M | 1.91% | 4.12% | 0.32% |
| Q2 2025 | $146.8M | $134.8M | $86.2M | $10.7M | $1.3M | 1.81% | 4.01% | 0.32% |
| Q1 2025 | $144.9M | $134.1M | $87.5M | $9.8M | $614K | 1.73% | 3.98% | 0.22% |
| Q4 2024 | $139.1M | $129.4M | $86.0M | $8.7M | $2.1M | 1.51% | 3.78% | 0.28% |
| Q3 2024 | $139.0M | $127.2M | $84.5M | $10.4M | $1.6M | 1.57% | 3.77% | 0.30% |
Loan mix (Q2 2026): real estate $80.9M · commercial $5.1M · consumer $7.1M · securities $40.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.24% | 1.24% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 29.8% | 11.9% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.3% | 62.9% | 17th |
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% |
The full ratio pack is part of CharterBench Pro.