| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +3.0% | +5.4 pts |
| Deposit growth (YoY) | +8.1% | +2.5% | +5.6 pts |
| Loan growth (YoY) | +39.1% | +2.6% | +36.5 pts |
| ROA | 0.24% | 0.99% | -0.8 pts |
| ROE | 10.5% | 8.1% | +2.4 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $54.5M | $45.4M | $8.4M | $1.3M | $64K | 0.24% | 1.98% | 0.10% |
| Q1 2026 | $53.5M | $44.7M | $8.2M | $973K | $15K | 0.11% | 1.90% | 0.27% |
| Q4 2025 | $51.6M | $42.1M | $7.0M | $1.4M | $100K | 0.20% | 1.83% | 0.11% |
| Q3 2025 | $51.2M | $41.8M | $6.0M | $1.2M | $89K | 0.23% | 1.83% | 0.11% |
| Q2 2025 | $50.3M | $42.0M | $6.0M | $107K | $75K | 0.30% | 1.86% | 0.12% |
| Q1 2025 | $51.7M | $43.3M | $6.9M | $230K | $39K | 0.31% | 1.84% | 0.12% |
| Q4 2024 | $50.4M | $42.4M | $7.0M | $-195K | $168K | 0.32% | 1.89% | 0.12% |
| Q3 2024 | $52.5M | $42.8M | $6.8M | $1.5M | $158K | 0.40% | 1.90% | 0.12% |
Loan mix (Q2 2026): real estate $8.2M · commercial $56K · consumer $104K · securities $38.6M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.24% | 0.99% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 8.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 1.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 87.0% | 70.8% | 79th |
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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