| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.6% | +4.9% | -5.5 pts |
| Deposit growth (YoY) | +0.5% | +4.3% | -3.9 pts |
| Loan growth (YoY) | +3.7% | +5.3% | -1.6 pts |
| ROA | 1.32% | 1.28% | +0.0 pts |
| ROE | 8.2% | 12.4% | -4.2 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $942.0M | $566.2M | $579.6M | $152.9M | $6.2M | 1.32% | 3.15% | 0.33% |
| Q1 2026 | $923.2M | $587.2M | $571.3M | $150.6M | $3.9M | 1.66% | 3.16% | 0.34% |
| Q4 2025 | $939.6M | $571.0M | $549.4M | $147.2M | $9.3M | 0.99% | 2.99% | 0.35% |
| Q3 2025 | $955.4M | $592.0M | $554.5M | $144.5M | $7.0M | 1.00% | 2.95% | 0.34% |
| Q2 2025 | $947.5M | $563.7M | $558.8M | $141.2M | $4.6M | 0.98% | 2.99% | 0.34% |
| Q1 2025 | $942.4M | $578.8M | $550.0M | $138.7M | $2.4M | 1.04% | 2.94% | 0.34% |
| Q4 2024 | $896.4M | $557.3M | $536.5M | $135.4M | $6.8M | 0.76% | 2.84% | 0.90% |
| Q3 2024 | $926.0M | $553.3M | $519.1M | $135.4M | $5.3M | 0.77% | 2.79% | 0.13% |
Loan mix (Q2 2026): real estate $554.8M · commercial $23.5M · consumer $599K · securities $199.7M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 1.28% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.15% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.0% | 61.2% | 79th |
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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