| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +4.4% | +0.1 pts |
| Deposit growth (YoY) | +3.6% | +4.0% | -0.3 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.6 pts |
| ROA | 1.47% | 1.24% | +0.2 pts |
| ROE | 12.2% | 11.9% | +0.4 pts |
ROA ranks in the 65th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $433.7M | $378.0M | $282.9M | $52.7M | $3.2M | 1.47% | 4.59% | 0.28% |
| Q1 2026 | $432.1M | $377.9M | $278.9M | $51.3M | $1.4M | 1.27% | 4.44% | 0.27% |
| Q4 2025 | $421.9M | $368.7M | $274.7M | $50.9M | $6.3M | 1.49% | 4.38% | 0.26% |
| Q3 2025 | $416.0M | $363.0M | $276.4M | $49.9M | $4.8M | 1.52% | 4.34% | 0.20% |
| Q2 2025 | $415.0M | $364.7M | $272.0M | $47.7M | $3.1M | 1.47% | 4.19% | 0.15% |
| Q1 2025 | $419.9M | $370.5M | $274.1M | $46.7M | $1.6M | 1.52% | 4.04% | 0.12% |
| Q4 2024 | $427.4M | $359.4M | $275.7M | $44.9M | $4.8M | 1.12% | 3.80% | 0.03% |
| Q3 2024 | $417.4M | $342.1M | $277.4M | $45.5M | $3.5M | 1.08% | 3.76% | 0.01% |
Loan mix (Q2 2026): real estate $258.3M · commercial $21.9M · consumer $4.8M · securities $107.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.47% | 1.24% | 65th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.59% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.6% | 62.9% | 43th |
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.