| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +9.3% | +4.0% | +5.3 pts |
| Loan growth (YoY) | +9.3% | +5.6% | +3.7 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 17.7% | 11.9% | +5.8 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $355.8M | $320.8M | $275.3M | $30.9M | $2.7M | 1.57% | 4.19% | 0.87% |
| Q1 2026 | $329.3M | $295.2M | $261.5M | $30.4M | $1.3M | 1.60% | 4.23% | 0.96% |
| Q4 2025 | $342.9M | $309.1M | $264.3M | $29.9M | $4.9M | 1.51% | 4.14% | 0.91% |
| Q3 2025 | $333.2M | $300.4M | $257.7M | $28.5M | $3.8M | 1.57% | 4.10% | 1.29% |
| Q2 2025 | $324.3M | $293.6M | $252.0M | $26.7M | $2.4M | 1.52% | 4.05% | 1.22% |
| Q1 2025 | $315.0M | $284.3M | $243.9M | $27.1M | $1.3M | 1.59% | 4.06% | 0.57% |
| Q4 2024 | $317.1M | $287.4M | $240.1M | $25.9M | $3.6M | 1.17% | 3.71% | 0.32% |
| Q3 2024 | $316.0M | $279.3M | $242.8M | $26.6M | $2.6M | 1.10% | 3.60% | 0.18% |
Loan mix (Q2 2026): real estate $199.9M · commercial $56.8M · consumer $16.6M · securities $43.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 17.7% | 11.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.19% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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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