| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +3.0% | +3.6 pts |
| Deposit growth (YoY) | +7.9% | +2.5% | +5.5 pts |
| Loan growth (YoY) | +1.4% | +2.6% | -1.2 pts |
| ROA | 1.22% | 0.99% | +0.2 pts |
| ROE | 6.4% | 8.1% | -1.7 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.6M | $51.1M | $45.8M | $12.4M | $390K | 1.22% | 3.69% | 0.00% |
| Q1 2026 | $62.7M | $48.5M | $45.1M | $12.2M | $196K | 1.25% | 3.67% | 0.00% |
| Q4 2025 | $63.2M | $49.0M | $45.5M | $12.0M | $506K | 0.82% | 3.61% | 0.00% |
| Q3 2025 | $62.1M | $47.7M | $44.6M | $12.3M | $468K | 1.02% | 3.61% | 0.00% |
| Q2 2025 | $61.6M | $47.4M | $45.1M | $12.2M | $317K | 1.04% | 3.58% | 0.00% |
| Q1 2025 | $59.7M | $45.7M | $44.2M | $12.0M | $174K | 1.15% | 3.55% | 0.00% |
| Q4 2024 | $61.4M | $45.7M | $44.0M | $11.8M | $307K | 0.53% | 3.57% | 0.00% |
| Q3 2024 | $59.3M | $43.4M | $43.3M | $12.0M | $159K | 0.37% | 3.60% | 0.00% |
Loan mix (Q2 2026): real estate $44.8M · commercial $603K · consumer $892K · securities $5.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.22% | 0.99% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 6.4% | 8.1% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.2% | 70.8% | 32th |
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% |
The full ratio pack is part of CharterBench Pro.