| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.9% | -3.0 pts |
| Deposit growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| Loan growth (YoY) | -4.4% | +5.3% | -9.8 pts |
| ROA | 0.58% | 1.28% | -0.7 pts |
| ROE | 6.9% | 12.4% | -5.6 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $692.9M | $632.3M | $381.9M | $58.9M | $2.0M | 0.58% | 3.69% | 0.24% |
| Q1 2026 | $698.7M | $637.1M | $375.8M | $58.8M | $1.1M | 0.62% | 3.57% | 0.48% |
| Q4 2025 | $709.6M | $648.5M | $390.6M | $58.4M | $3.4M | 0.49% | 3.50% | 0.61% |
| Q3 2025 | $686.0M | $616.7M | $383.9M | $57.5M | $2.2M | 0.42% | 3.47% | 0.64% |
| Q2 2025 | $679.7M | $600.6M | $399.6M | $55.5M | $1.5M | 0.45% | 3.44% | 0.56% |
| Q1 2025 | $675.9M | $594.0M | $392.3M | $54.6M | $868K | 0.52% | 3.31% | 0.25% |
| Q4 2024 | $669.7M | $587.6M | $389.2M | $52.7M | $2.0M | 0.28% | 3.06% | 0.10% |
| Q3 2024 | $677.2M | $590.4M | $388.3M | $53.0M | $988K | 0.19% | 2.99% | 0.13% |
Loan mix (Q2 2026): real estate $308.1M · commercial $48.0M · consumer $2.0M · securities $187.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.58% | 1.28% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 12.4% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.69% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.9% | 61.2% | 94th |
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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