| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | +6.6% | +4.0% | +2.7 pts |
| Loan growth (YoY) | +8.8% | +5.6% | +3.2 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 5.4% | 11.9% | -6.4 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $267.3M | $228.1M | $207.3M | $38.5M | $1.0M | 0.78% | 2.46% | 0.66% |
| Q1 2026 | $265.1M | $225.5M | $203.9M | $38.4M | $591K | 0.89% | 2.37% | 0.68% |
| Q4 2025 | $266.8M | $227.6M | $199.5M | $37.9M | $2.0M | 0.77% | 2.37% | 0.59% |
| Q3 2025 | $258.8M | $220.6M | $186.4M | $37.2M | $1.2M | 0.66% | 2.33% | 0.61% |
| Q2 2025 | $251.1M | $214.0M | $190.6M | $36.4M | $835K | 0.68% | 2.48% | 0.62% |
| Q1 2025 | $244.1M | $207.8M | $178.6M | $35.5M | $319K | 0.52% | 2.32% | 0.66% |
| Q4 2024 | $243.5M | $208.1M | $184.1M | $34.7M | $612K | 0.27% | 1.96% | 0.66% |
| Q3 2024 | $240.4M | $204.3M | $179.5M | $35.3M | $272K | 0.16% | 1.78% | 0.51% |
Loan mix (Q2 2026): real estate $206.9M · commercial $3.2M · consumer $3.5M · securities $31.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 11.9% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.46% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 62.9% | 53th |
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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