| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.6% | +4.4% | -7.0 pts |
| Deposit growth (YoY) | -2.6% | +4.0% | -6.6 pts |
| Loan growth (YoY) | -8.2% | +5.6% | -13.8 pts |
| ROA | 1.35% | 1.24% | +0.1 pts |
| ROE | 12.9% | 11.9% | +1.0 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $473.2M | $347.6M | $381.4M | $50.7M | $3.2M | 1.35% | 4.20% | 0.87% |
| Q1 2026 | $469.6M | $340.5M | $401.6M | $49.3M | $1.6M | 1.37% | 4.18% | 1.21% |
| Q4 2025 | $474.8M | $343.0M | $399.0M | $49.2M | $5.3M | 1.10% | 4.15% | 1.03% |
| Q3 2025 | $480.8M | $345.4M | $407.9M | $47.9M | $4.0M | 1.10% | 4.10% | 0.89% |
| Q2 2025 | $486.1M | $356.9M | $415.4M | $46.2M | $2.4M | 0.98% | 3.96% | 0.92% |
| Q1 2025 | $480.5M | $355.8M | $413.2M | $45.1M | $962K | 0.80% | 3.80% | 0.82% |
| Q4 2024 | $477.4M | $355.0M | $416.6M | $44.9M | $4.7M | 1.01% | 3.92% | 0.71% |
| Q3 2024 | $470.9M | $344.6M | $410.9M | $44.1M | $3.5M | 1.01% | 3.88% | 0.33% |
Loan mix (Q2 2026): real estate $365.7M · commercial $16.1M · consumer $4.5M · securities $8.0M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.35% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.9% | 11.9% | 56th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.20% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.0% | 62.9% | 56th |
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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