| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.9% | +4.4% | -0.4 pts |
| Deposit growth (YoY) | +6.0% | +4.0% | +2.1 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 2.12% | 1.24% | +0.9 pts |
| ROE | 22.2% | 11.9% | +10.3 pts |
ROA ranks in the 89th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $233.8M | $181.6M | $203.3M | $22.8M | $2.5M | 2.12% | 3.97% | 0.40% |
| Q1 2026 | $233.6M | $183.2M | $210.0M | $22.3M | $1.3M | 2.25% | 3.95% | 0.25% |
| Q4 2025 | $235.3M | $180.9M | $210.0M | $22.2M | $4.5M | 2.00% | 3.75% | 0.12% |
| Q3 2025 | $232.7M | $178.0M | $197.6M | $21.3M | $3.3M | 1.94% | 3.71% | 0.13% |
| Q2 2025 | $224.9M | $171.2M | $196.9M | $20.3M | $2.1M | 1.93% | 3.68% | 0.00% |
| Q1 2025 | $218.6M | $173.0M | $195.0M | $19.7M | $1.1M | 2.04% | 3.64% | 0.00% |
| Q4 2024 | $218.7M | $170.4M | $193.0M | $18.6M | $3.6M | 1.76% | 3.59% | 0.00% |
| Q3 2024 | $209.5M | $165.9M | $182.6M | $20.4M | $2.7M | 1.79% | 3.61% | 0.00% |
Loan mix (Q2 2026): real estate $120.2M · commercial $18.2M · consumer $1.9M · securities $11.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.12% | 1.24% | 89th | |
Return on equity Annualized net income ÷ equity or net worth | 22.2% | 11.9% | 93rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.97% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 42.5% | 62.9% | 6th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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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