| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -1.9% | +4.0% | -5.8 pts |
| Loan growth (YoY) | +4.5% | +5.6% | -1.0 pts |
| ROA | 2.11% | 1.24% | +0.9 pts |
| ROE | 15.4% | 11.9% | +3.5 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $111.4M | $95.8M | $49.7M | $15.2M | $1.1M | 2.11% | 3.14% | 0.00% |
| Q1 2026 | $114.0M | $98.6M | $48.8M | $15.1M | $808K | 3.00% | 3.10% | 0.00% |
| Q4 2025 | $101.3M | $86.5M | $48.8M | $14.5M | $1.1M | 1.01% | 3.09% | 0.11% |
| Q3 2025 | $110.4M | $95.5M | $48.9M | $14.3M | $832K | 0.99% | 3.01% | 0.10% |
| Q2 2025 | $111.2M | $97.7M | $47.5M | $13.0M | $532K | 0.95% | 2.94% | 0.10% |
| Q1 2025 | $113.0M | $99.8M | $48.0M | $12.8M | $265K | 0.94% | 2.87% | 0.10% |
| Q4 2024 | $111.5M | $98.3M | $49.5M | $12.7M | $792K | 0.73% | 2.58% | 0.10% |
| Q3 2024 | $112.0M | $98.0M | $49.7M | $13.4M | $643K | 0.79% | 2.53% | 0.10% |
Loan mix (Q2 2026): real estate $41.2M · commercial $3.9M · consumer $1.4M · securities $37.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.11% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.7% | 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% |
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