| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +4.4% | +1.9 pts |
| Deposit growth (YoY) | +5.6% | +4.0% | +1.7 pts |
| Loan growth (YoY) | +6.5% | +5.6% | +1.0 pts |
| ROA | 0.92% | 1.24% | -0.3 pts |
| ROE | 9.1% | 11.9% | -2.8 pts |
ROA ranks in the 31st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $397.1M | $353.5M | $253.0M | $40.8M | $1.8M | 0.92% | 3.28% | 0.22% |
| Q1 2026 | $396.2M | $353.7M | $250.0M | $39.6M | $872K | 0.89% | 3.23% | 0.22% |
| Q4 2025 | $387.5M | $344.7M | $246.6M | $39.4M | $3.1M | 0.82% | 3.11% | 0.23% |
| Q3 2025 | $376.0M | $334.8M | $241.1M | $38.3M | $2.2M | 0.80% | 3.05% | 0.23% |
| Q2 2025 | $373.7M | $334.6M | $237.5M | $36.1M | $1.3M | 0.69% | 2.99% | 0.18% |
| Q1 2025 | $363.3M | $325.2M | $231.4M | $35.2M | $476K | 0.53% | 2.90% | 0.16% |
| Q4 2024 | $357.3M | $319.6M | $224.9M | $34.3M | $1.6M | 0.47% | 2.72% | 0.17% |
| Q3 2024 | $352.8M | $314.3M | $219.8M | $35.1M | $1.1M | 0.43% | 2.65% | 0.18% |
Loan mix (Q2 2026): real estate $242.8M · commercial $1.6M · consumer $9.7M · securities $85.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.92% | 1.24% | 31th | |
Return on equity Annualized net income ÷ equity or net worth | 9.1% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 62.9% | 68th |
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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