| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.7% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.8 pts |
| Loan growth (YoY) | -4.4% | +5.6% | -10.0 pts |
| ROA | 1.42% | 1.24% | +0.2 pts |
| ROE | 9.2% | 11.9% | -2.6 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $324.4M | $268.9M | $192.4M | $50.4M | $2.3M | 1.42% | 4.18% | 4.08% |
| Q1 2026 | $319.7M | $264.6M | $199.7M | $49.7M | $1.3M | 1.60% | 4.17% | 2.81% |
| Q4 2025 | $323.1M | $269.4M | $196.7M | $48.6M | $3.4M | 1.06% | 4.51% | 2.79% |
| Q3 2025 | $335.2M | $282.6M | $191.7M | $47.2M | $2.1M | 0.87% | 4.55% | 1.21% |
| Q2 2025 | $329.9M | $276.7M | $201.2M | $47.8M | $3.0M | 1.92% | 4.68% | 0.00% |
| Q1 2025 | $306.6M | $254.7M | $193.5M | $46.0M | $1.5M | 2.01% | 4.71% | 0.00% |
| Q4 2024 | $305.4M | $256.0M | $183.1M | $44.0M | $5.0M | 1.64% | 4.42% | 0.02% |
| Q3 2024 | $321.4M | $272.7M | $172.2M | $42.9M | $3.3M | 1.46% | 4.18% | 0.00% |
Loan mix (Q2 2026): real estate $86.7M · commercial $107.4M · consumer $482K · securities $84.2M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.42% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 11.9% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.8% | 62.9% | 26th |
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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