| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +3.0% | -2.0 pts |
| Deposit growth (YoY) | +0.9% | +2.5% | -1.6 pts |
| Loan growth (YoY) | +1.7% | +2.6% | -0.9 pts |
| ROA | 2.02% | 0.99% | +1.0 pts |
| ROE | 15.5% | 8.1% | +7.4 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $98.1M | $85.0M | $66.7M | $12.5M | $983K | 2.02% | 5.41% | 1.82% |
| Q1 2026 | $98.4M | $85.6M | $65.1M | $12.1M | $526K | 2.17% | 5.38% | 1.75% |
| Q4 2025 | $95.6M | $81.5M | $68.7M | $13.5M | $1.9M | 1.98% | 5.57% | 2.10% |
| Q3 2025 | $94.5M | $81.2M | $68.1M | $12.7M | $1.2M | 1.71% | 5.53% | 0.78% |
| Q2 2025 | $97.0M | $84.3M | $65.5M | $12.2M | $867K | 1.81% | 5.42% | 0.70% |
| Q1 2025 | $96.0M | $83.9M | $65.5M | $11.5M | $432K | 1.81% | 5.27% | 0.67% |
| Q4 2024 | $94.8M | $82.2M | $63.5M | $12.0M | $1.7M | 1.77% | 5.01% | 0.50% |
| Q3 2024 | $96.2M | $83.8M | $63.7M | $11.8M | $1.2M | 1.69% | 4.93% | 0.72% |
Loan mix (Q2 2026): real estate $58.8M · commercial $3.5M · consumer $4.6M · securities $16.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 8.1% | 86th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.41% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 70.8% | 33th |
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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