| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +4.4% | +0.8 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +1.7% | +5.6% | -3.9 pts |
| ROA | 1.10% | 1.24% | -0.1 pts |
| ROE | 11.0% | 11.9% | -0.9 pts |
ROA ranks in the 42nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $261.8M | $233.7M | $209.5M | $26.8M | $1.4M | 1.10% | 4.28% | 0.81% |
| Q1 2026 | $261.6M | $234.4M | $212.0M | $26.1M | $606K | 0.93% | 4.18% | 0.94% |
| Q4 2025 | $257.6M | $230.9M | $215.8M | $25.5M | $2.4M | 0.97% | 4.05% | 0.75% |
| Q3 2025 | $256.8M | $230.6M | $212.7M | $24.7M | $1.7M | 0.91% | 3.97% | 0.59% |
| Q2 2025 | $248.9M | $223.7M | $206.0M | $23.9M | $1.0M | 0.82% | 3.89% | 0.63% |
| Q1 2025 | $255.7M | $231.1M | $205.8M | $23.2M | $440K | 0.70% | 3.75% | 0.64% |
| Q4 2024 | $247.5M | $223.5M | $201.3M | $22.7M | $1.8M | 0.75% | 3.68% | 0.67% |
| Q3 2024 | $240.8M | $217.2M | $199.8M | $22.4M | $1.3M | 0.73% | 3.64% | 0.65% |
Loan mix (Q2 2026): real estate $181.1M · commercial $12.2M · consumer $15.5M · securities $20.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 1.24% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 11.0% | 11.9% | 44th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.0% | 62.9% | 59th |
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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