| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +8.8% | +4.0% | +4.8 pts |
| Loan growth (YoY) | +8.7% | +5.6% | +3.1 pts |
| ROA | 2.55% | 1.24% | +1.3 pts |
| ROE | 21.7% | 11.9% | +9.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $128.3M | $94.9M | $86.8M | $14.8M | $1.6M | 2.55% | 4.46% | 0.09% |
| Q1 2026 | $124.7M | $89.6M | $82.7M | $15.3M | $900K | 2.84% | 4.43% | 0.35% |
| Q4 2025 | $128.5M | $95.4M | $83.1M | $14.8M | $2.4M | 1.98% | 4.28% | 0.13% |
| Q3 2025 | $119.9M | $87.3M | $75.7M | $14.1M | $1.9M | 2.07% | 4.26% | 0.00% |
| Q2 2025 | $120.5M | $87.2M | $79.8M | $13.3M | $1.2M | 2.04% | 4.19% | 0.00% |
| Q1 2025 | $117.1M | $87.2M | $74.8M | $13.0M | $604K | 2.04% | 4.11% | 0.00% |
| Q4 2024 | $120.2M | $87.3M | $79.1M | $12.8M | $1.8M | 1.54% | 3.78% | 0.00% |
| Q3 2024 | $116.8M | $83.5M | $78.9M | $12.9M | $1.3M | 1.56% | 3.71% | 0.00% |
Loan mix (Q2 2026): real estate $51.5M · commercial $20.3M · consumer $1.7M · securities $34.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.24% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 21.7% | 11.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.2% | 62.9% | 5th |
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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