| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.7% | +3.0% | +3.7 pts |
| Deposit growth (YoY) | +7.4% | +2.5% | +4.9 pts |
| Loan growth (YoY) | +7.2% | +2.6% | +4.6 pts |
| ROA | 2.33% | 0.99% | +1.3 pts |
| ROE | 12.0% | 8.1% | +4.0 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $70.3M | $56.5M | $34.3M | $13.6M | $816K | 2.33% | 4.83% | 0.15% |
| Q1 2026 | $69.9M | $56.4M | $39.6M | $13.3M | $391K | 2.24% | 4.87% | 0.12% |
| Q4 2025 | $69.6M | $55.8M | $37.7M | $13.7M | $898K | 1.35% | 4.61% | 0.16% |
| Q3 2025 | $66.0M | $52.2M | $32.0M | $13.6M | $934K | 1.90% | 4.59% | 0.23% |
| Q2 2025 | $65.9M | $52.6M | $32.0M | $13.2M | $613K | 1.88% | 4.56% | 0.16% |
| Q1 2025 | $65.4M | $52.7M | $36.3M | $12.7M | $240K | 1.48% | 4.50% | 0.16% |
| Q4 2024 | $64.4M | $49.1M | $31.7M | $12.8M | $860K | 1.33% | 4.17% | 0.16% |
| Q3 2024 | $61.7M | $48.5M | $28.1M | $13.1M | $877K | 1.81% | 4.21% | 0.17% |
Loan mix (Q2 2026): real estate $22.2M · commercial $1.7M · consumer $3.3M · securities $20.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.33% | 0.99% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 12.0% | 8.1% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.83% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.2% | 70.8% | 14th |
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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