| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +1.4% | +4.0% | -2.5 pts |
| Loan growth (YoY) | +2.6% | +5.6% | -3.0 pts |
| ROA | 1.65% | 1.24% | +0.4 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $160.4M | $123.7M | $77.7M | $34.0M | $1.3M | 1.65% | 4.29% | 0.02% |
| Q1 2026 | $162.7M | $126.1M | $76.0M | $33.9M | $636K | 1.59% | 4.16% | 0.00% |
| Q4 2025 | $157.6M | $121.1M | $77.5M | $33.8M | $2.4M | 1.55% | 4.40% | 0.02% |
| Q3 2025 | $158.7M | $122.5M | $78.5M | $33.5M | $1.7M | 1.47% | 4.37% | 0.00% |
| Q2 2025 | $157.4M | $122.0M | $75.7M | $32.6M | $1.0M | 1.34% | 4.30% | 0.02% |
| Q1 2025 | $155.7M | $120.6M | $75.9M | $32.4M | $449K | 1.18% | 4.25% | 0.00% |
| Q4 2024 | $148.7M | $114.2M | $75.1M | $31.9M | $2.1M | 1.40% | 4.44% | 0.00% |
| Q3 2024 | $149.1M | $113.3M | $70.8M | $33.3M | $1.7M | 1.54% | 4.46% | 0.00% |
Loan mix (Q2 2026): real estate $70.2M · commercial $4.7M · consumer $4.4M · securities $47.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.24% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.7% | 62.9% | 28th |
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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