| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.9% | -3.5 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.3 pts |
| Loan growth (YoY) | -4.0% | +5.3% | -9.4 pts |
| ROA | 0.79% | 1.28% | -0.5 pts |
| ROE | 4.6% | 12.4% | -7.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $721.8M | $591.1M | $543.3M | $124.4M | $2.9M | 0.79% | 3.25% | 0.85% |
| Q1 2026 | $729.4M | $600.7M | $538.5M | $123.4M | $1.4M | 0.76% | 3.11% | 0.85% |
| Q4 2025 | $729.6M | $601.8M | $540.1M | $122.6M | $6.2M | 0.86% | 3.03% | 1.41% |
| Q3 2025 | $727.1M | $598.7M | $555.3M | $121.3M | $3.6M | 0.67% | 2.96% | 1.40% |
| Q2 2025 | $711.7M | $584.9M | $566.1M | $120.3M | $2.2M | 0.61% | 2.90% | 1.49% |
| Q1 2025 | $705.6M | $580.8M | $571.3M | $119.3M | $862K | 0.49% | 2.78% | 2.05% |
| Q4 2024 | $711.8M | $587.8M | $575.4M | $118.8M | $6.2M | 0.87% | 2.97% | 0.05% |
| Q3 2024 | $704.3M | $579.7M | $567.3M | $117.9M | $3.9M | 0.73% | 2.94% | 0.05% |
Loan mix (Q2 2026): real estate $484.9M · commercial $63.4M · consumer $22K · securities $44.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.79% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 12.4% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.25% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.9% | 61.2% | 46th |
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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