| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.9 pts |
| Deposit growth (YoY) | -0.2% | +4.0% | -4.1 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 0.87% | 1.24% | -0.4 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $328.6M | $278.8M | $204.2M | $45.3M | $1.4M | 0.87% | 3.90% | 1.81% |
| Q1 2026 | $334.7M | $286.2M | $200.2M | $44.8M | $737K | 0.89% | 3.85% | 1.18% |
| Q4 2025 | $329.8M | $282.6M | $199.2M | $44.0M | $2.6M | 0.82% | 3.67% | 0.98% |
| Q3 2025 | $326.3M | $279.2M | $196.6M | $42.7M | $1.9M | 0.79% | 3.59% | 1.44% |
| Q2 2025 | $323.7M | $279.3M | $190.3M | $40.3M | $1.2M | 0.75% | 3.49% | 1.19% |
| Q1 2025 | $321.6M | $277.8M | $182.1M | $40.0M | $582K | 0.73% | 3.44% | 0.88% |
| Q4 2024 | $312.3M | $270.8M | $183.0M | $38.8M | $2.2M | 0.73% | 3.46% | 0.31% |
| Q3 2024 | $311.5M | $266.4M | $182.1M | $40.1M | $1.7M | 0.75% | 3.43% | 0.19% |
Loan mix (Q2 2026): real estate $189.9M · commercial $10.0M · consumer $6.9M · securities $91.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.90% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.8% | 62.9% | 50th |
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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