| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.0% | +4.9% | -3.9 pts |
| Deposit growth (YoY) | +0.0% | +4.3% | -4.3 pts |
| Loan growth (YoY) | -4.3% | +5.3% | -9.6 pts |
| ROA | 2.63% | 1.28% | +1.3 pts |
| ROE | 29.3% | 12.4% | +16.8 pts |
ROA ranks in the 96th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $643.5M | $569.1M | $295.9M | $54.8M | $8.5M | 2.63% | 3.33% | 0.97% |
| Q1 2026 | $660.5M | $584.3M | $286.3M | $60.0M | $4.0M | 2.45% | 3.30% | 0.81% |
| Q4 2025 | $647.5M | $568.3M | $291.7M | $60.3M | $15.9M | 2.50% | 3.18% | 0.71% |
| Q3 2025 | $631.9M | $557.2M | $294.3M | $54.7M | $11.3M | 2.37% | 3.14% | 0.90% |
| Q2 2025 | $637.2M | $568.9M | $309.0M | $47.5M | $7.2M | 2.27% | 3.10% | 1.38% |
| Q1 2025 | $646.1M | $574.7M | $303.4M | $50.3M | $3.4M | 2.14% | 3.05% | 0.99% |
| Q4 2024 | $628.9M | $564.0M | $300.8M | $47.0M | $13.4M | 2.17% | 2.81% | 1.02% |
| Q3 2024 | $615.5M | $546.2M | $299.0M | $51.3M | $10.1M | 2.19% | 2.78% | 0.91% |
Loan mix (Q2 2026): real estate $157.8M · commercial $81.7M · consumer $18.4M · securities $318.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.63% | 1.28% | 96th | |
Return on equity Annualized net income ÷ equity or net worth | 29.3% | 12.4% | 98th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.2% | 61.2% | 10th |
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% |
The full ratio pack is part of CharterBench Pro.