| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.4% | +1.5 pts |
| Deposit growth (YoY) | +5.5% | +4.0% | +1.5 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.84% | 1.24% | +0.6 pts |
| ROE | 15.3% | 11.9% | +3.4 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $228.4M | $199.7M | $121.7M | $28.2M | $2.1M | 1.84% | 3.40% | 0.00% |
| Q1 2026 | $227.6M | $200.0M | $122.0M | $27.1M | $910K | 1.60% | 3.29% | 0.00% |
| Q4 2025 | $227.2M | $199.6M | $117.9M | $27.1M | $3.7M | 1.69% | 3.14% | 0.00% |
| Q3 2025 | $219.8M | $191.3M | $115.5M | $26.0M | $2.6M | 1.63% | 3.08% | 0.01% |
| Q2 2025 | $215.8M | $189.3M | $113.4M | $24.0M | $1.6M | 1.53% | 3.03% | 0.12% |
| Q1 2025 | $212.9M | $187.7M | $112.6M | $22.7M | $687K | 1.31% | 2.91% | 0.00% |
| Q4 2024 | $205.5M | $180.8M | $114.4M | $22.2M | $2.8M | 1.39% | 2.85% | 0.00% |
| Q3 2024 | $200.1M | $174.1M | $112.9M | $23.5M | $2.1M | 1.36% | 2.84% | 0.00% |
Loan mix (Q2 2026): real estate $70.9M · commercial $9.7M · consumer $5.4M · securities $63.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.84% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.6% | 62.9% | 7th |
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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