| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +3.0% | +4.0% | -1.0 pts |
| Loan growth (YoY) | +17.6% | +5.6% | +12.0 pts |
| ROA | 1.32% | 1.24% | +0.1 pts |
| ROE | 9.8% | 11.9% | -2.1 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $133.1M | $104.8M | $66.5M | $17.9M | $859K | 1.32% | 8.39% | 0.97% |
| Q1 2026 | $128.2M | $102.4M | $56.4M | $17.5M | $363K | 1.13% | 7.75% | 1.42% |
| Q4 2025 | $129.6M | $103.3M | $58.0M | $17.2M | $936K | 0.74% | 7.52% | 1.44% |
| Q3 2025 | $128.2M | $103.6M | $55.5M | $16.6M | $564K | 0.60% | 7.46% | 1.50% |
| Q2 2025 | $125.0M | $101.8M | $56.5M | $16.2M | $374K | 0.60% | 7.52% | 1.81% |
| Q1 2025 | $128.2M | $104.7M | $58.8M | $15.7M | $232K | 0.75% | 7.44% | 1.77% |
| Q4 2024 | $117.8M | $95.9M | $57.7M | $14.9M | $1.3M | 1.17% | 7.82% | 0.34% |
| Q3 2024 | $114.3M | $91.6M | $59.3M | $15.2M | $944K | 1.13% | 7.79% | 0.16% |
Loan mix (Q2 2026): real estate $23.2M · commercial $42.9M · consumer $256K · securities $43.4M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 11.9% | 37th | |
Net interest margin Interest income − interest expense, ÷ assets | 8.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.2% | 62.9% | 73th |
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.