| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.8 pts |
| Loan growth (YoY) | +17.7% | +5.6% | +12.1 pts |
| ROA | 2.31% | 1.24% | +1.1 pts |
| ROE | 17.6% | 11.9% | +5.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.6M | $198.0M | $173.4M | $27.8M | $2.5M | 2.31% | 5.21% | 4.58% |
| Q1 2026 | $214.8M | $184.0M | $168.9M | $28.1M | $1.1M | 2.22% | 5.12% | 5.38% |
| Q4 2025 | $197.7M | $166.9M | $163.8M | $28.1M | $5.8M | 2.72% | 5.40% | 5.82% |
| Q3 2025 | $240.8M | $210.3M | $155.5M | $27.6M | $4.2M | 2.54% | 5.18% | 3.21% |
| Q2 2025 | $224.6M | $195.8M | $147.3M | $26.0M | $2.6M | 2.43% | 5.18% | 3.40% |
| Q1 2025 | $207.4M | $178.3M | $140.4M | $26.4M | $1.1M | 2.24% | 5.03% | 4.10% |
| Q4 2024 | $198.4M | $169.4M | $128.6M | $26.3M | $5.8M | 2.74% | 5.58% | 4.78% |
| Q3 2024 | $236.2M | $207.9M | $129.8M | $25.3M | $4.3M | 2.63% | 5.44% | 4.18% |
Loan mix (Q2 2026): real estate $142.2M · commercial $27.1M · consumer $6.3M · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.31% | 1.24% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 17.6% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.21% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.2% | 62.9% | 25th |
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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