| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.0% | +4.4% | -1.4 pts |
| Deposit growth (YoY) | +2.6% | +4.0% | -1.3 pts |
| Loan growth (YoY) | +12.4% | +5.6% | +6.8 pts |
| ROA | 1.64% | 1.24% | +0.4 pts |
| ROE | 15.0% | 11.9% | +3.2 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $163.5M | $125.2M | $100.4M | $18.0M | $1.3M | 1.64% | 4.18% | 0.07% |
| Q1 2026 | $161.2M | $122.5M | $92.8M | $17.6M | $632K | 1.57% | 4.09% | 0.17% |
| Q4 2025 | $160.8M | $122.1M | $89.2M | $17.2M | $2.5M | 1.58% | 4.19% | 0.16% |
| Q3 2025 | $160.1M | $121.8M | $92.6M | $16.8M | $1.9M | 1.60% | 4.16% | 0.16% |
| Q2 2025 | $158.7M | $122.0M | $89.3M | $15.6M | $1.2M | 1.56% | 4.10% | 0.10% |
| Q1 2025 | $154.4M | $118.4M | $85.0M | $15.1M | $574K | 1.49% | 3.98% | 0.00% |
| Q4 2024 | $153.9M | $118.5M | $77.9M | $14.0M | $2.0M | 1.37% | 3.86% | 0.03% |
| Q3 2024 | $147.4M | $111.7M | $80.8M | $15.2M | $1.4M | 1.35% | 3.84% | 0.00% |
Loan mix (Q2 2026): real estate $95.5M · commercial $3.7M · consumer $1.8M · securities $42.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.64% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.2% | 62.9% | 13th |
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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