| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +3.0% | +3.0 pts |
| Deposit growth (YoY) | +4.8% | +2.5% | +2.3 pts |
| Loan growth (YoY) | +7.3% | +2.6% | +4.7 pts |
| ROA | 1.31% | 0.99% | +0.3 pts |
| ROE | 15.8% | 8.1% | +7.8 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $90.3M | $81.8M | $75.3M | $7.8M | $598K | 1.31% | 4.57% | 0.87% |
| Q1 2026 | $94.5M | $86.7M | $74.7M | $7.6M | $335K | 1.45% | 4.50% | 0.68% |
| Q4 2025 | $90.0M | $80.0M | $76.2M | $7.3M | $864K | 0.99% | 4.35% | 0.64% |
| Q3 2025 | $89.5M | $82.1M | $73.1M | $7.1M | $665K | 1.02% | 4.26% | 0.82% |
| Q2 2025 | $85.2M | $78.1M | $70.2M | $6.8M | $414K | 0.97% | 4.23% | 0.17% |
| Q1 2025 | $85.8M | $78.9M | $70.2M | $6.7M | $208K | 0.97% | 4.13% | 0.79% |
| Q4 2024 | $86.1M | $79.5M | $73.3M | $6.4M | $715K | 0.86% | 4.06% | 0.77% |
| Q3 2024 | $84.5M | $74.7M | $72.0M | $6.5M | $576K | 0.93% | 4.02% | 0.62% |
Loan mix (Q2 2026): real estate $61.9M · commercial $4.3M · consumer $2.4M · securities $7.9M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.31% | 0.99% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 8.1% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.57% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 70.8% | 29th |
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.