| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.0% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +1.3% | +5.9% | -4.6 pts |
| ROA | 0.67% | 1.26% | -0.6 pts |
| ROE | 6.5% | 12.2% | -5.7 pts |
ROA ranks in the 13th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.76B | $1.43B | $1.46B | $189.8M | $6.0M | 0.67% | 3.06% | 0.40% |
| Q1 2026 | $1.78B | $1.42B | $1.47B | $186.4M | $2.5M | 0.55% | 2.88% | 0.52% |
| Q4 2025 | $1.83B | $1.46B | $1.48B | $183.9M | $9.6M | 0.55% | 2.99% | 0.27% |
| Q3 2025 | $1.78B | $1.38B | $1.47B | $179.6M | $6.5M | 0.50% | 2.93% | 0.26% |
| Q2 2025 | $1.76B | $1.37B | $1.44B | $175.5M | $3.9M | 0.46% | 2.87% | 0.14% |
| Q1 2025 | $1.69B | $1.33B | $1.40B | $150.0M | $1.5M | 0.36% | 2.79% | 0.16% |
| Q4 2024 | $1.66B | $1.32B | $1.36B | $146.0M | $6.9M | 0.42% | 2.72% | 0.16% |
| Q3 2024 | $1.67B | $1.31B | $1.36B | $146.0M | $5.3M | 0.43% | 2.66% | 0.34% |
Loan mix (Q2 2026): real estate $1.27B · commercial $132.0M · consumer $2.0M · securities $121.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.67% | 1.26% | 13th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.06% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 59.0% | 86th |
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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